白金信用卡权益大缩水：贵宾厅限次、酒店减量银行吐槽没赚头，“羊毛党”薅了个寂寞

Core Viewpoint - The high-end credit card benefits are being significantly reduced by multiple banks, leading to a shift in the value proposition of these cards as banks struggle with profitability in this segment [2][5][7]. Group 1: Changes in High-End Card Benefits - Many banks are announcing reductions in high-end card benefits for the upcoming year, including limiting access to airport lounges and increasing the thresholds for redeeming points [2][5]. - Specific changes include limiting airport lounge access from unlimited visits to a maximum of six per year and increasing the points required for cash redemption from 400 to 500 points per dollar [6][5]. - The overall trend indicates a significant contraction in benefits, with services like health check-ups being completely removed [5][6]. Group 2: Profitability Challenges - High-end credit cards are not profitable for banks due to high costs associated with benefits and low commission rates from merchants, which average around 0.3% [7][9]. - The cost of providing services such as airport transfers can range from 200 to 300 yuan, while the revenue generated from card usage is minimal if customers do not carry a balance [8][7]. - The presence of "arbitrageurs" exploiting card benefits further erodes profitability, prompting banks to tighten rules and reduce benefits [10][7]. Group 3: Strategic Focus on High-End Cards - Despite the lack of profitability, banks continue to invest in high-end credit cards as a strategy to attract and retain high-value customers, linking these cards to broader wealth management services [11][14]. - High-end cards serve as a "hook" to deepen relationships with customers, enhancing loyalty and engagement across various banking services [15][14]. - The focus is shifting from acquiring new customers to maintaining existing high-quality clients, with banks aiming to create distinctive offerings in niche markets [19][18].