如题,稍微做了张表,使用以下参数:
AE/悦卡积分以国航里程来衡量,10000公里价值人民币600元。日航里程10000英里价值人民币1000元。IHG积分10000分价值人民币300元。
可以看出:境内使用AE 5倍积分商户相当核算。如果不在5倍积分范围内,反而是日航卡收益率比AE单倍积分高。当然在IHG的酒店内刷收益率不错
境外的话,还是优先考虑AE 2+4倍积分商户(5倍商旅类的那些MCC完全是为AE白境外刷卡量身订做的,覆盖了Holiday Inn, Intercontinental, Sheraton, Hilton),再往下考虑AE白双倍积分(再加上1%返现加成),再次之是日航卡。
有意思的是看了下和悦卡(有大白金卡加持)的比较,AE5倍积分就算算上年费,也比悦卡存20W收益高。但如果AE单倍积分,刷卡收益仅仅高于悦卡无存款的情况。
境内 | 境外 | | | 消费/人民币元 | AE积分 | 里程/酒店积分 | 价值 | 收益率 | | 人民币 | 美元 | AE积分 | 里程/酒店积分 | 价值 | 收益率 | | AE 5倍积分 | 10,000 | 50,000 | 4166 | 249.96 | 2.50% | AE 2+4倍积分 | 10,000 | 1,538.46 | 55,385 | 4,615 | 276.90 | 2.77% | 不含境外返现 | AE普通 | 10,000 | 10,000 | 833 | 49.98 | 0.50% | AE普通2倍积分 | 10,000 | 1,538.46 | 18,461 | 1,538 | 92.28 | 1.92% | 含境外返现1% | 日航 | 10,000 | | 666 | 66.60 | 0.67% | 日航 | 10,000 | 1,538.46 | | 1,538 | 153.80 | 1.54% | | IHG | 10,000 | | 1250 | 37.50 | 0.38% | IHG | 10,000 | 1,538.46 | | 1,538 | 46.14 | 0.46% | | IHG 酒店内 | 10,000 | | 2500 | 75.00 | 0.75% | IHG 酒店内 | 10,000 | 1,538.46 | | 3,076 | 92.28 | 0.92% | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 消费/人民币元 | 积分 | 里程 | 价值 | 收益率 | | | | | | | | | 中信悦卡(存20W) | 10,000 | 50,000 | 2,000 | 120 | 1.20% | | | | | | | | | 20,000 | 130,000 | 5,200 | 312 | 1.56% | | | | | | | | | 30,000 | 210,000 | 8,400 | 504 | 1.68% | | | | | | | | | 40,000 | 290,000 | 11,600 | 696 | 1.74% | | | | | | | | | 50,000 | 370,000 | 14,800 | 888 | 1.78% | | | | | | | | | | | | | | | | | | | | | | | | 消费/人民币元 | 积分 | 里程 | 价值 | 收益率 | | | | | | | | | 中信悦卡(存5-20W) | 10,000 | 25,000 | 1,000 | 60 | 0.60% | | | | | | | | | 20,000 | 65,000 | 2,600 | 156 | 0.78% | | | | | | | | | 30,000 | 105,000 | 4,200 | 252 | 0.84% | | | | | | | | | 40,000 | 145,000 | 5,800 | 348 | 0.87% | | | | | | | | | 50,000 | 185,000 | 7,400 | 444 | 0.89% | | | | | | | | | | | | | | | | | | | | | | | | 消费/人民币元 | 积分 | 里程 | 价值 | 收益率 | | | | | | | | | 中信悦卡(存5W以下) | 10,000 | 12,500 | 500 | 30 | 0.30% | | | | | | | | | 20,000 | 32,500 | 1,300 | 78 | 0.39% | | | | | | | | | 30,000 | 52,500 | 2,100 | 126 | 0.42% | | | | | | | | | 40,000 | 72,500 | 2,900 | 174 | 0.44% | | | | | | | | | 50,000 | 92,500 | 3,700 | 222 | 0.44% | | | | | | | | |
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