21世纪经济报道 . 权威、专业、深度、有趣！用经济思维看世界。 以下文章来源于21世纪经济报道 ，作者21记者 在此轮调整中，招商银行信用卡的动作因其市场地位而备受瞩目。 7 月 1 日，招行信用卡 发布公告称将对已发行的 Visa 双标高端磁条卡产品升级为芯片版产品，并在本轮升级中调 整经典版白金信用卡（芯片版）年费优惠活动规则和精致版白金信用卡（芯片版）产品礼 遇。 具体而言，精致白（芯片版）新增每年 2 次" 300 精选酒店"贵宾价入住礼遇、外币消费免 汇兑手续费等；而相对地，经典白（芯片版）则在原先 10000 永久积分兑换主卡年费、 5000 永久积分兑换附属卡年费的基础上，增加了主卡需消费满 18 万元、附属卡需消费满 10 万元的门槛。 有业内人士分析称，此次经典白（芯片版）年费规则增加"消费 18 万"的兑换门槛，虽然门 槛提升，但是权益配置依旧坚挺，调整后更加贴合招行信用卡权益体系的整体脉络。而精致 白（芯片版）的权益加码，则为存量持卡人提供了迁移出口，进一步明确价格梯度与客群用 卡需求的对应，以保持其高端产品的含金量。 近年来，多家银行密集发布公告调整高端信用卡权益，引发市场持续关注。 ...

Core Viewpoint - The recent adjustments in high-end credit card benefits by multiple banks are proactive measures aimed at achieving sustainable business models and overall industry health amidst rising costs and increased risk management pressures [2][12]. Group 1: Industry Trends - Several banks, including China Merchants Bank, have announced updates to high-end credit card products, such as increased usage thresholds and changes in applicable benefits [2]. - The current round of adjustments is characterized as a transition from a "race for scale" to a focus on high-quality development, reflecting a shift in the banking industry's approach to credit card offerings [12]. Group 2: Specific Changes in Credit Card Products - China Merchants Bank upgraded its Visa dual-standard magnetic stripe cards to chip versions, adjusting the annual fee waiver rules for its classic and exquisite white credit cards [4]. - The classic white card now requires a spending threshold of 180,000 yuan for the main card and 100,000 yuan for the supplementary card to qualify for fee waivers, while the exquisite white card has added benefits such as two annual stays at selected hotels and no foreign exchange fees [4][5]. Group 3: Market Dynamics - The high-end credit card segment has historically been crucial for banks, targeting high-net-worth individuals whose spending patterns can significantly impact the economy [8]. - The shift towards chip cards aligns with global trends, as most overseas markets have already transitioned from magnetic stripe to chip technology, enhancing security and compatibility for cardholders [10][11]. Group 4: Future Outlook - As major banks complete their updates to high-end credit card benefits, market uncertainty is expected to decrease, leading to a more stable and predictable environment for cardholders [12]. - The adjustments in high-end credit card offerings are seen as a reflection of the banking industry's efforts to balance service models with sustainable business practices, moving away from unsustainable cost structures [6][9].