At 2 p.m., the "CITIC Bank Marriott Bonvoy Co-branded Card Online Press Conference" will be broadcast online on the CITIC Card Space app.
As of press time, the press conference has ended. Judging from the content announced at the press conference, it is consistent with Shuai Shuai’s previous analysis. So in this article, let’s take a closer look at the CITIC Marriott co-branded card. As the first Marriott hotel co-branded card in China, you can understand in one article whether it is worth applying for.
This time, the Marriott co-branded card is divided into three levels: Gold Card with no annual fee, Elite Platinum Card with 980 yuan annual fee, and Platinum Card with 6,800 yuan annual fee. . Let’s take a look at them one by one:
Gold Card
annual fee: 1 purchase within 30 days of the core card will waive the first year fee, 5 purchases will waive the annual fee for the next year, and so on.
Benefits:
● Free Marriott Bonvoy Silver Card membership
● 5 Marriott room nights per year
● Daily consumption: 1 point for every RMB 18 spent
● Hotel consumption: consumption in Marriott hotels around the world, RMB Earn 2 points for every 18 yuan
● 10% off accommodation discount
● 10% off Marriott Bonvoy Silver Card member dining discount
● 10% off Marriott Bonvoy boutique online store full discount
● Fraud insurance + flight delay insurance
Limited-time new household gift: html apply and activate during 16.28-8.31. If the points transaction reaches 10,000 yuan within 90 days of activation, you can get 5,000 Marriott Bonvoy points.
Elite Platinum Card
annual fee: RMB 980 per year Rigid annual fee
Benefits:
● Free Marriott Bonvoy Gold Card membership
● 10 Marriott room nights per year
● Free one night at Marriott Hotel every year (not exceeding 12,500 Room nights with points)
● Daily consumption: 1 point for every RMB 10 spent
● Hotel consumption: 2 points for every 10 yuan spent in Marriott hotels around the world
● 10% off accommodation discount
● 20% off Marriott Bonvoy Gold Card members dining discounts
● 20% off Marriott Bonvoy boutique online store full discount
● Theft insurance, flight delay insurance and aviation accident insurance
● Airport VIP lounge privileges 4 times a year
● Roadside assistance: 2 times domestic, 1 time overseas
● Hospital registration appointment: 3 times/year
Limited time new household gift: html Apply and activate during 16.28-8.31. If the point transaction reaches 20,000 yuan within 90 days of activation, you can get 15,000 Marriott travel rewards Home Points.
Platinum Card
annual fee: RMB 6,800 per year Rigid annual fee
Benefits:
● Free Marriott Bonvoy Gold Card membership
● Free 15 Marriott room nights per year
● Two nights at Marriott Hotel every year (with no more than 35,000 points) Room night)
● Daily consumption: 1 point for every RMB 10 spent
● Hotel consumption: 3 points for every 10 yuan spent in Marriott hotels around the world
● 10% off accommodation discount
● 20% off Marriott travel Dining discounts for Bonvoy Gold Card members
● 20% off Marriott Bonvoy boutique online store discounts
● Theft insurance, flight delay insurance and aviation accident insurance
● Airport VIP lounge privileges 16 times per year
● Roadside assistance: 2 times Domestic and 1 overseas
● Hospital registration appointment: 5 times/year
html Additional benefits for spending 500,000 yuan in 1 year:
● Marriott Platinum membership benefits
● 1 night free accommodation
● 30% off Greater China Regional hotel and dining discounts
Limited time new customers Gift: html apply and activate between 16.28 and 8.31. If the points transaction reaches 30,000 yuan within 90 days of activation, you can get 1-year platinum membership or 50,000 Marriott Bonvoy points (choose one).
The information of the three cards can be summarized in the following table:
Marriott co-branded card application link:
Analysis of various benefits
In view of the fact that some friends are not familiar with the frequent guests of Marriott hotels, here is an explanation of some of the benefits in the card:
Membership Valid room nights
Gold card will get 5 nights per year, Elite Platinum card will get 10 nights, and Platinum card will get 15 room nights. This benefit is only available to those who need to maintain their Marriott high-level memberships (not valid for white picks). To maintain the Marriott Platinum card, 50 room nights are required per year; to maintain the Marriott Titanium card, 75 room nights are required per year.
Take the Marriott Platinum Card membership maintenance as an example. If you apply for the Elite Platinum Card and receive 10 room nights, then the number of room nights required to maintain your status per year will be reduced from 50 to 40 nights. Don't underestimate these 10 room nights. This is undoubtedly a life-saving straw for those who don't stay in many hotels every year but want to maintain a high card. After all, if you go for a hard purchase, the cost of these 10 room nights will be at least a thousand yuan..
Consumption accumulates Marriott hotel points
Needless to say, this is the biggest selling point of the Marriott co-branded card, because it is currently the only card in China that can directly accumulate Marriott hotel points through consumption.
Daily consumption: Gold card 18:1, Elite Platinum card 10:1, Platinum card 10:1
Taking Elite Platinum Card as an example, if you spend 100,000 yuan in daily consumption with the card, you can get 10,000 Marriott points. How much are 10,000 Marriott points worth? Approximately equal to 500 yuan.
Take airline co-branded cards for comparison. Generally, the ratio of to co-branded cards of airlines reaches 10:1, and if there are points in offline and online channels, it is considered a good card. However, the value of airline miles is different. For example, China Eastern Airlines , Hainan Airlines, and Air China are worth about 300 yuan per 10,000 miles. China Southern Airlines mileage value is slightly higher and can reach 400-500 yuan.
It can be seen From the perspective of consumer feedback, cards of Elite Platinum level and above are on par with ordinary airline co-branded cards, or even higher .
Of course, some friends will say: Every 10,000 miles of our airline can be worth more than a thousand yuan! This is normal. In the same way, many people can play with Marriott points worth more than 10,000 yuan each. So here we only compare the two according to their recognized values.
Yes There are many airline co-branded cards, but this is the one that can accumulate Marriott hotel points, right? Although there are some channels through which Marriott points can be redeemed, such as American Express Centurion Platinum, Ping An ’s Wanli Tong points, etc. However, in terms of consumption feedback ratio, this co-branded card is still the best.
Let’s talk about consumption in the hotel: Gold Card 18:2, Elite Platinum Card 10:2, Platinum Card 10:3.
To be honest, it is difficult to get a lot of points by spending in hotels through co-branded cards, because ordinary people do not spend that much in hotels, unless it is for wedding banquets, conferences, etc. But after we got the card, when we spent money at Marriott, we definitely paid with the co-branded card. Although the feedback was not much, it added up.
Take the Elite Platinum Card as an example. If you spend 100,000 yuan in a Marriott hotel, you will get 20,000 points, which is worth about 1,000 yuan. The rebate rate is 1%. Very good.
Free stay at Marriott hotels
This time, both Elite Platinum and Platinum cards come with free stay at Marriott hotels. Elite Platinum Card will give you one night (less than 12,500 points), and Platinum Card will give you two nights (less than 35,000 points).
This free night with Elite Platinum Card is worth 6 or 7 hundred yuan. Taking the prices of Marriott hotels in Hangzhou this weekend as an example, a 12,500-point room voucher can be redeemed for hotels such as Courtyard Wulin, Courtyard Xixi, and Lin'an Marriott. The corresponding cash price after tax is between 600-700 yuan.
But if you encounter a discount redemption event like PointSavers, it is not impossible to use these 12,500 points to a value of more than a thousand yuan.
Let’s talk about the two nights of Platinum Card. The redeemable room night points are increased to 35,000 points . It can be redeemed for items such as Shanghai Jingan St. Regis, Sanya Yalong Bay Sheraton, Beijing Ritz-Carlton, Huzhou Sheraton Hot Spring Resort Hotel , etc. Each room voucher can be used for a value of about 1,500 yuan. Of course, anyone with points lower than this can be redeemed, but it’s just not very cost-effective.
In addition to these rights and interests, there are also discounts on hotels, restaurants, and shopping on Marriott’s official website. You don’t have to have a co-branded card to enjoy them. You can also enjoy discounts by directly registering a Marriott account.
Platinum card has 500,000 additional benefits
As a platinum card with an annual fee of 6,800 yuan, how can people pay for it without some additional benefits? However, you can't enjoy it after paying the annual fee. You still have to spend 500,000 yuan with the card.
Spend 500,000, and you can get Marriott Platinum Card benefits. Note that is only for membership, but it does not give lifetime room nights.. This means that your idea of becoming a Marriott “Lifetime Platinum Member” through this card is not feasible.
The benefits of Marriott Platinum members include: room upgrade, early check-in and late check-out, complimentary breakfast, access to executive lounges, dining discounts, etc. (A small number of Marriott hotel brands do not enjoy the above benefits).
Plus, get another free night. Whether it’s worth it or not, we’ll talk about it later.
The rest are the rights and interests given by CITIC:
Airport VIP lounge rights (Longteng): 1 point for each use of the airport VIP lounge and 0.5 points for each use of the high-speed rail VIP lounge. For an additional RMB 9, you can use the Longteng Food Experience Hall. Elite Platinum Card and Platinum Card have 4 and 16 points respectively.
Theft insurance, flight delay insurance and aviation accident insurance: CITIC’s delay insurance requires paying more than 80% of the ticket price with a card. The specific compensation rules and amounts can be seen in the table below:
Roadside assistance: Elite Platinum Card and Platinum Cards enjoy this benefit. The Jingyi Platinum Card provides 2 domestic and 1 overseas trips per year; the Platinum Card offers unlimited 24-hour roadside assistance within the country and once overseas.
Hospital registration appointment: Jingyi Platinum Card has 3 points per year, and Platinum Card has 5 points per year.
"36+1" life rights: CITIC Elite Platinum Card and Standard Platinum Card both have "36+1" life rights, covering: hotel accommodation, driving, food, physical examination, SPA, skiing, yoga, picture books Borrowing books, dental cleaning , courtesy car pick-up and drop-off, etc. You can receive benefit points when your consumption reaches the standard, and the points can be redeemed for corresponding services . However, this benefit is not listed in the card introduction, so we can only wait for card friends to test it.
Well, after analyzing all the rights and interests, let’s take a look at which of the three co-branded cards is the most worth applying for.
If Shuaishuai had to choose, I would not hesitate to choose the Elite Platinum Card with an annual fee of 980 yuan.. Reason:
● A free room night with 12,500 points can almost offset most of the annual fee;
● 10 room nights can be worth a thousand yuan to me;
● 10:1 consumption to accumulate Marriott points, you can As the main swipe card of CITIC;
● There are also 4 points of Longteng + 3 medical registrations
. It can be seen that html the Jingyi Platinum level is 1980 yuan, and there is no problem in getting back the money. Among these three cards, is the most cost-effective card.
Although the annual fee is waived with the gold card, it only comes with 5 room nights per year, which is not enough. And the ratio of 18:1 for daily consumption is destined to fail to become the main credit card. However, CITIC’s Jinpu Card has the opportunity to enjoy unlimited exemption. It is very suitable to be a Tinder card. Shuaishuai has said this before.
Therefore, Shuaishuai does not recommend simply applying for a gold card, but if the same user can apply for two levels of cards at the same time, then the gold card + elite platinum card is the best combination. Why don’t you get 5 room nights for free?
Let’s look at the platinum card with an annual fee of 6,800 yuan. This is strictly exclusive to Big Boss, and is not recommended unless you are really not short of money. Because Marriott Platinum benefits require spending 500,000 yuan to obtain, unless you really have such a large consumption demand, or have a nearly zero-cost consumption method, then this card is a magic card, otherwise it is just a scam.
html The annual fee is 6,800, plus the cost of swiping a card is several thousand dollars, and the total cost is close to 10,000 yuan. Isn’t it better to just spend money to stay in a hotel?
Of course, this is Shuaishuai’s personal opinion. Everyone’s needs are different and it is impossible to generalize. Since existence means existence, what would you choose? Welcome to leave a message.
