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Core Viewpoint - The article primarily focuses on various promotional offers and benefits associated with credit card applications, highlighting incentives for new users and referral rewards. Group 1: New User Benefits - New users can enjoy a first-year fee waiver and can waive the next year's fee by making six transactions [2] - New users who meet certain criteria can receive either 1000 points or a new user gift package [3] - Specific themed cards offer unique rewards, such as a brand suitcase for the Zodiac Guardian Card [6], a custom bag for the Hello Kitty card [8], and a Pokémon-themed creative cup for the Pokémon fan card [10] Group 2: Referral Rewards - Existing cardholders can earn rewards by successfully referring friends to apply for a card, with options including a discounted air fryer or a free repayment bonus [16] - The referral rewards are contingent upon the new applicant receiving their card before the referrer can claim their prize [17] Group 3: Additional Offers - The Starbucks co-branded card offers new users six cups of coffee or a custom cup [12] - The Ele.me co-branded card provides a super foodie annual card and a package of takeaway vouchers worth 60 yuan [14][15]