Consumer Council｜The maximum difference in the recurring rebate rate of credit cards is more than 26 times. The limited-time plan may not count

There are various kinds of cash rebates for credit card spending rewards. From October to November this year, the Consumer Council inquired about relevant information from 20 card issuers and checked the relevant webpage of one bank, and found that the cash rebate rate can vary by more than 26 times , the exchange rate of some time-limited cash rebate plans is generally more favorable than regular plans, but there are usually more conditions attached. Consumers are advised to choose a suitable credit card spending plan according to their personal consumption preferences and habits, and manage their money prudently instead of blindly Excessive spending in pursuit of spending rewards.

The difference between Fubon and CSCEC in the recurring rebate ratio of credit cards is more than 26 times

According to the Consumer Council, the three common types of cash rebate methods for spending include automatic rebate, exchange rebate, and deduction of transaction amount.

Among the frequent spending reward cash rebate programs of 21 card issuers, Fubon Bank Platinum Card and Titanium Card have the highest rebate rate of 6%, and the lowest 0.22%, namely China Construction Bank eye credit card and tiramisu credit card The rebate rate differs by more than 26 times.

Another 15 regular plans of some card issuers offer a minimum cash rebate rate ranging from 0.4% to 0.5%, which is equivalent to exchanging $1 cash rebate for spending of $200 to $250.

There are also differences in cash rebate ratios for different credit cards of the same card issuer

The Consumer Council also pointed out that even within the same card issuer, the cash rebate ratios of different credit cards are quite different.

Take Anxin Credit's WeWaVisa Platinum Card and EarnMOREVisa Platinum Card as an example, the annual fee of the main card of the two credit cards is 800 yuan.

However, if retail shopping is also calculated, for every $1 cash rebate, the required spending amount of WeWaVisa Platinum Card is RMB 150 more than that of EarnMOREVisa Platinum Card, a difference of 1.5 times.

As for ICBC (Asia) VisaSignature and Zodiac VisaSignature, the annual fee for the two credit cards is 1,800 yuan, and they are both credit cards that can earn cash rebates for any eligible transactions.

However, the cash rebate rate of VisaSignature is 0.5%, which is lower than the 1.5% of Constellation VisaSignature.

The Consumer Council reminds consumers that when choosing a credit card, they should carefully pay attention to the details of the relevant reward schemes. Although the actual difference in rebates may not be too large, "decimals are afraid of long-term calculations". After long-term accumulation, there will still be some differences in the cash rebates obtained.

(Consumer Council)

Time-limited plans generally have more conditions attached to them than regular plans

In addition, the Consumer Council also found that the time-limited plans of various organizations have more rewards and rebates than regular plans, but there are generally more conditions attached to them than regular plans.

For example, there is an upper limit on reward distribution, higher minimum spending requirements, etc.

Taking the BOC credit card i-card and i-card dual-currency diamond card as examples, there is no upper limit on the basic rewards earned by using the two cards for general retail transactions. Cardholders can get 9 times extra rewards every month only with a maximum of 10,000 reward points, that is, the first 1,100 yuan of mobile payment transactions in the month can get extra rewards, and the subsequent transactions can only earn basic rewards.

Consumer Council credit card complaints nearly triple in first 11 months of this year

The Consumer Council reminds the public to manage their money prudently and avoid applying for too many credit cards or spending too much due to spending rewards.

According to the number of complaints from the Consumer Council, a total of 26 credit card complaints were received in the first 11 months of this year, an increase of 189% from 9 in the first 11 months of last year, or nearly double.

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