用信用卡降低加油成本 积分返现一个也不能少
用信用卡降低加油成本 积分返现一个也不能少
随着私家车数量的攀升，车主队伍正不断壮大，降低用车成本的话题越来越受到关注。
其实，信用卡就能为你解决这一烦恼。无论是加油成本、养车成本，还是道路救援等等，信用卡都能发挥作用。
本期，我们先来看看哪些信用卡能让你的爱车加油成本更低。
招行Car Card汽车信用卡：最高返现7%
全国各地，招行CarCard汽车信用卡的加油优惠可能有所不同。上海地区为，2013年1月1日至6月30日期间，成功申请并核发新卡的持卡人，核发后6个自然月内，持该卡至指定中石化合作加油站点刷卡充值加油卡，或至中石油合作加油站刷卡加油，可尊享加油金回馈，平日3%，周五5%。此外，充值中石化加油卡还可以享受中石化提供的2%加油优惠。
而对已经持卡的老客户来说，今年上半年间，当月刷该卡消费1000元有积分非加油类消费，亦可获得同等待遇，最高优惠幅度达7%。其中，中石化赠送的2%充值优惠需已持卡客户将招行CarCard和中石化加油储值卡绑定方可享受(方式见官网)。
据了解，该卡赠送的加油返现金将会在刷卡充值的次月一次性录入账户，每户每月最高可获得加油金返现金额为30元。
工行牡丹中油信用卡：3%加油补贴
即日起至2014年12月31日，持卡人刷卡购买安邦保险公司商业车险产品(满足足额投保和商业三者不低于10万元条件)，在指定加油站刷卡加油将享受3%的加油补贴。加油补贴优惠累计不超过持卡人购买安邦商业车险保费的10%。补贴金额将在次月直接回馈到客户的牡丹中油信用卡账户中，使用方面无特别规定。
广发车主信用卡：5倍积分或1%返现
加油5倍积分增值或1%现金返还是车主卡服务之一。持卡人可在申请卡片时二选一，一经确认将不能修改。如客户未登记加油优惠类型，则默认为5倍积分优惠。
据了解，选择刷卡加油1%现金返还的客户，刷卡加油交易部分不计算积分。下月返还刷卡加油1%现金的同时将扣除上月刷卡加油交易的积分。
每位持卡人主附卡合计每月最多有人民币3000元的刷卡加油金额可享受广发车主信用卡加油优惠，超出3000元部分的刷卡加油金额按正常积分累计。
兴业车友卡：积分400:1兑换油费
在上海、北京、太原、合肥、南宁、泉州等地区，兴业车友卡持卡人在加油站、餐饮、酒店等类商户以及境外商户发生的计积分交易，均可按照实际交易金额的最高5倍获赠信用卡积分奖励(见附表)。系统每月将自动为持卡人实现信用卡积分兑换加油金，兑换比例为400信用卡积分=1元人民币。
据了解，兴业银行将向车友卡客户发送“加油金积分计划”邀请短信，持卡人需在收到短信的3日内编辑指定短信“CCJF +空格+本人个人记名中国石化上海石油分公司加油卡卡号后八位”予以回复。若回复短信中的加油卡卡号有误，可致电客服热线更正。完成该操作后，每月的加油金将直接充入客户在银行注册成功的加油卡内，银行将通过短信方式通知满额客户，客户即可凭加油卡至中国石化上海石油分公司指定发卡网点圈存充值。
信用卡积分每月按比例兑换加油金，每次起兑量为2万信用卡积分，且以2万信用卡积分的整数倍兑换，单月兑换的信用卡积分上限为20万分，超出部分将累计到次月兑换。
建行汽车卡：积分加倍换油，1000分=4元
汽车卡消费积分除可参加龙卡信用卡积分礼品兑换外，还可以专享换油优惠，直接兑换加油费。从今年1月16日起，实行0.4%统一兑换标准，即每1000汽车积分兑换4元。
若是电话换油，起兑点为5万分，按1万分的整数倍兑换;若是积分POS换油，起兑点也是5万分，按250分的整数倍兑换，且单笔交易最高可兑换1万元(250万分)，积分最高兑换比例为充值金额的99%(剩余1%通过汽车卡支付)。比如说，持卡人张先生到加油站为加油卡充值，一次性充值金额400元，如通过积分兑换POS充值，则本次充值金额的99%(即396元)可使用9.9万分汽车卡积分兑换，另外的1%(即4元)通过汽车卡直接支付。
平安i车信用卡：加油双倍积分，500分=1元
平安i车卡加油可享受“1元加油费=2倍消费积分”，即刷卡加油消费人民币1元，可累积2个万里通积分。所有平安i车卡的消费积分均可与持卡人其他万里通积分合并使用，方便更快累积积分。
而通过万里通网站，持卡人可将积分兑换为加油奖励金。目前，持卡人必须拥有广东省、深圳或上海的中石化加油卡，并确认油卡使用地区和油卡归属地相同，才可以向其中充值使用。每次兑换50元，每个自然月限兑换4次。兑换比例为500分换1元。
需要特别注意的是，加油卡完成网上充值后，需到所充值油卡开卡地当地加油站请工作人员激活(圈存)操作后才可生效。为了确保这一步的完成，持卡人应填写真实姓名和手机号码，系统将在网上预充值成功后通过短信通知激活(圈存)金额，凭借该短信，持卡人可向加油站工作人员说明“圈存油卡”。
交行最红加油：奖励加油金普卡5%、白金卡10%
只要你是交行任意信用卡的持卡人，都有机会享受这一优惠。
有兴趣参加该活动的持卡人需要先通过交行官网或语音热线注册，一次注册有效期为一年度，也就是说，2013年1月1日前注册的用户需在今年重新注册，只有白金卡用户无需注册。注册成功后，持卡人当月含活动加油站内的有积分消费达人民币1000元(白金卡客户除外，美元1:7折算)方可获得奖励资格。附属卡的刷卡金可并入主卡账户。
符合上述条件后，金普卡客户每周五消费获赠的刷卡金价值不超过人民币25元，白金卡不超过人民币50元，且每位持卡人每月获赠刷卡金价值最高不超过人民币100元。
获赠的刷卡金会在消费当月过后的30天内(法定节假日顺延)导入持卡人交行的信用卡刷卡金专用账户，并短信告知持卡人。这笔刷卡金的有效期为60天，可自动抵扣指定合作商户内的刷卡消费，并可分多笔使用。
By credit card to reduce oil cost integral return now a also cannot little
As the number of private cars to rise, the owner team is growing, reduce the cost of transport, more and more attention to the topic.
In fact, the credit card will help you solve the trouble. Whether oil cost and overhead costs, or road rescue, etc., credit card can play a role.
This issue, we first come to see which credit card can make your car go cheaper.
Car travel Car Card credit Card: the highest return is 7%
All parts of the country, China merchants bank CarCard automobile credit card refueling preferential might be different. Shanghai, on January 1, 2013 to June 30 period, the successful application and issuance of new card issued by the cardholder, six months after natural, the card to the designated sinopec cooperation refueling sites charge rechargeable refueling card, or to oil gas station, oil cooperation card honour enjoy refueling gold feedback, ferial 3%, 5% on Friday. In addition, replenishing sinopec oil card can enjoy 2% discount provided sinopec oil.
But to have their old customers for, in the first half of this year, between the brush card spending 1000 yuan have integral not go class consumption, can also get the same treatment, the highest 7% margin of preference. Among them, sinopec complimentary 2% rechargeable preferential need to have their customers will travel CarCard and sinopec oil stored binding can enjoy (way to see's official website).
It is understood that the card is free of fuel return cash will be in charge of the second month one-time cost input account, every monthly can obtain the highest oil gold return now amount to 30 yuan.
Icbc peony medium oil credit card: 3% oil subsidies
Now until December 31, 2014, the credit card to buy the AnBang insurance company commercial auto insurance products (meet full specified amount insurance and commercial three not less than 100000 yuan conditions), in the designated credit card refueling station will enjoy 3% of fuel subsidies. Come on subsidies preferential accumulated not more than the cardholder to buy AnBang commercial auto insurance premium of 10%. The amount of subsidies in monthly direct feedback to the customer's Chinese peony credit card account, use no special provisions.
Guangdong development owners credit card: 5 times the integral or 1% return now
Come on 5 times integral value or 1% cash back is one of the owner card service. Cardholder can apply for the card in the alternative, the confirmation will not be able to modify. If the customer unregistered refueling preferential type, then the default is 5 times integral preferential.
It is understood that the choice credit card refueling 1% cash back customers, credit card refueling trading session is not calculated integral. Return next month card refueling 1% cash at the same time will be deducted from the credit card last month oil trade integration.
Each RenZhu CARDS attached card monthly total maximum charge RMB 3000 oil amount can enjoy wide hair negotiable owners credit card refueling preferential, exceed $3000 part of the credit card come on the amount of normal integral accumulated.
If the card: integral 400:1 for oil fee
In Shanghai, Beijing, taiyuan, hefei, nanning, quanzhou and other regions, having the card cardholder in gas stations, restaurants, hotels and other kind of merchants and the foreign merchant happen meter integral transaction, all can according to actual transaction amount of the top five times get credit card bonus points (see attached list). The system will be a month for the cardholder to realize credit card points for refueling gold, conversion ratio for 400 credit card integral = 1 yuan.
As we have learned, societe generale to our card the client sends a "come on gold integral plan" invitation message, card holder needs to receive a message within three days of the editing specified message "CCJF + space + I personal registered sinopec Shanghai petroleum branch refueling kaka after number eight" reply. If the reply message come on kaka number) are incorrect, please call customer service hotline correction. Complete this operation, the monthly oil gold will directly filling the customers in the bank registered successful refueling card inside, the bank will through the message has to notify the customer, the customer can by oil card to sinopec Shanghai petroleum branch designated hairpin node ring save replenishing.
Credit card integral monthly scale change come on gold, every time the confirmed quantity for 20000 credit card integral, and with the 20000 credit card integral integer times change, month for credit card integral upper limit for twenty thousand times, beyond part will count for the second month.
The construction bank car card: integral double in oil, 1000 points = $4
Car card consumption integral except can attend dragon card integral gift exchange outside, still can enjoy only in oil concessions, direct exchange gas fee. From January 16 days, a unified standard, i.e., 0.4% for every 1000 car points for $4.
If phone in oil, up against the point for 5 extremely, press 1 very integer times change; If integral POS in oil, up against the point is also very 5, according to the 250 points integer times change, and single transaction top convertible 10000 yuan (250 thousand times), integrating the highest conversion ratio for 99% of the total cost (surplus 1% through the car card). For instance, cardholder Mr Zhang to the gas station for gas card rechargeable, one-time rechargeable amount is 400 yuan, such as through the points for POS top up, then the rechargeable amount of 99% (or 396 yuan) can use 9.9 very car card points for, another 1% (i.e. $4) through the car card direct payment.
Peace I car credit card: come on double points, 500 points = 1 yuan
Peace I car card refueling can enjoy "1 yuan gas fee = 2 times consumption integral", namely charge oil consumption RMB 1 yuan, can accumulate 2 miles membership's integral. All peace I car card consumption are integral with the other miles membership's integral and amalgamative use, convenient faster accumulation integral.
And through the miles membership's website, the cardholder can change integral for refueling bounty. At present, the cardholder must have guangdong province, shenzhen or Shanghai sinopec oil card, and make sure the oil card use areas and oil card belonging to the same, can use to the top up. Every time for fifty yuan, each natural month limit for 4 times. Conversion ratio for 500 points in 1 yuan.
Need to pay special attention to, refueling card complete online rechargeable, need to top up oil card open card to the local gas station staff members, please activate (ring deposit) after operation can take effect. In order to ensure the completion of this step, card holder should fill in real name and phone number, the system will be in online pre-registration rechargeable success through SMS notification activation (ring deposit), depending on the amount of the message, the cardholder can station staff to explain "ring save oil card".
In the most red oil: rewards come on JinPu card, platinum card 10% 5%
As long as you are in any credit card cardholder, all have the opportunity to enjoy the preferential.
Interested in the activities of the cardholder need to through handing in travel website or voice hotline registration, a registration is valid for one year, that is to say, prior to January 1, 2013 registered users need to register again this year, only white gold card users need not registered. After registering successfully, the card holder with activities in the gas station with integral consumption RMB 1000 (white gold card customers $excepted, and reduced) can reap the rewards qualification. Supplementary card card of gold and elected to card account.
With the above conditions, JinPu card customers receive credit card consumption of five gold value not more than RMB 25 yuan, white gold card not more than fifty RMB yuan, and each cardholder monthly credit card receive gold value is highest do not exceed 100 yuan.
Get the gold card in the consumption after 30 days (statutory holidays postpone) in the introduction of the credit card for gold account and message told the cardholder. The gold card is valid for sixty days, can be automatically deducted designated cooperation within the commercial credit card consumption, and can be divided into many use pen.