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Group 1 - The article promotes various credit card offerings with attractive benefits for new users, including fee waivers and rewards [4][21][12] - Specific cards mentioned include the Engineer Credit Card, American Express Centurion Card, and Tmall Supermarket Co-branded Card, each offering unique rewards for new applicants [7][8][11] - The article highlights promotional offers such as cashback, gift items, and discounts on dining for new cardholders [4][20][19] Group 2 - New users can receive various gifts upon meeting spending requirements, such as points, cash back, and vouchers [4][12][19] - The article emphasizes the referral program, where both the referrer and the referred can receive rewards upon successful application [21] - Existing cardholders are encouraged to apply for additional cards, which will share credit limits with their current cards but will not qualify for new user benefits [23]