No annual fee for Ping An Credit Card

How to waive the 200 annual fee for Ping An Credit Card?

The annual fee exemption policies for different credit card products of Ping An Bank are different:

1. Ping An Car Owner Card . The annual fee for the insurance gold card is not waived in the first year. The annual fee for the next year is waived only when the main card spends more than 30,000 yuan; the supplementary card is free of the next year's annual fee when the purchase reaches 15,000 yuan.

2. Credit card products such as Standard Card, iQiyi Card, and Tencent Gold Card are directly exempt from annual fees in the first year. If you make 6 purchases per year, you can be exempted from annual fees in the following year.

As long as cardholders meet the consumption standards stipulated by Ping An Bank, they can enjoy the preferential policy of exempting 200 annual fees.

Extended information:

Ping An Bank credit card applications can be made through the official website, Pocket Bank APP, WeChat official account, Alipay, WeChat, etc. In order to successfully apply for the card, applicants need to have the following basic skills Application conditions:

1. Be over 18 years old and have independent civil capacity;

2. Have a stable job and legal income;

3 . Good personal credit and no bad records.

In addition, if you want to apply for a high-level credit card, it is best to have stronger financial strength and greater overdraft consumption needs and repayment capabilities.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. . The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province.

Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38% of Ping An's shares. The controlling shareholder of the bank. It has 34 branches across China and a representative office in Hong Kong.

In January 2012, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition was completed, Shenzhen Development Bank changed its name to the new Ping An Bank and formally established the new Ping An Bank. Open to the public. On June 26, 2019, eight banks, including Ping An Bank, were among the first batch to launch an online enterprise information verification system.

Products and services: retail business, credit card business, corporate business, international business, basic platform,;

Debit card: Ping An Bank debit card refers to Ping An Bank’s RMB debit card approved by the bank and issued to the public. It has the functions of enquiry, deposit, withdrawal, transfer settlement, universal deposit and withdrawal, multiple accounts with one card, shopping and consumption, payment on behalf of others, self-service banking, telephone banking, online banking, revolving loan, VIP services and other functions. Ping An Bank has four types of debit cards, namely regular card, gold card, platinum card and diamond card.

Is there an annual fee for Ping An Credit Card?

Ping An Credit Card has an annual fee. Ping An Bank's credit card can enjoy the annual fee exemption for the first year, and the annual fee for the next year will be waived after swiping the card 6 times in the same year (excluding platinum cards and car owner cards).

1. The Ping An Platinum Credit Card has a rigid annual fee in the first year (cannot be waived). If you spend 150,000 yuan in the current year, you can waive the card's 50-year annual fee for the next year. If you spend 300,000 yuan or more in the same year, you can waive the card's annual fee. The annual fee for the following year and the rules for the attached card are the same as those for the main card.

2. Ping An Car Owners’ Credit Card has a rigid annual fee in the first year (cannot be waived). If you spend 30,000 RMB or the equivalent in US dollars in that year, the annual fee for the next year will be waived.

Newbies should pay special attention to the following points when using credit cards:

(1) If the card issuer offers a special discount for the first year to attract consumers to apply for a credit card, special attention must be paid to it. The offers in these promotions are usually short-term. Don’t be fooled by the moment. When choosing a credit card, you still have to give priority to long-term benefits.

(2) Avoid applying for more cards than you can afford. Evaluate your spending habits, needs, and financial situation before deciding which credit cards to choose.

(3) You must sign the new card immediately when you receive it, and cut the old card into pieces to avoid unauthorized use.

(4) You must keep your credit card safe and report the loss immediately if it is lost.

(5) Regardless of credit card or debit card, you must maintain a good credit record.

Ping An Bank

Adjustment of temporary limit:

Each bank will conduct a comprehensive assessment based on the customer’s past card usage. It is recommended that cardholders should The types of consumption can be diversified, such as home appliance consumption, catering consumption, supermarket shopping, etc., while ensuring a good repayment record. If there is an emergency need to use the card, you can also call the bank's customer service hotline to apply for a temporary increase in the limit.

The bank will continue to pay attention to changes in your card usage and credit status, and will proactively increase the temporary limit for customers who meet the limit adjustment requirements from time to time. It is recommended that you use Bank of Communications cards more and repay on time. Keep good card usage records, and you can also call the customer service hotline to apply for a temporary limit increase when you need to use the card urgently.

Inactive credit cards may also be charged an annual fee. Many people actually have more than one credit card. In this case, there will definitely be idle credit cards. And after getting a credit card, some people will put the credit card aside because the credit limit is relatively low;

But even if the credit card has been used for a long time and is not used or activated, some credit cards will be Automatic activation without consumer confirmation, resulting in an annual fee. For example, the annual fee for platinum cards and above is usually more than 1,000 yuan. This type of credit card has higher benefits, so the annual fee is usually not waived, and the annual fee will be charged even if it is not activated.

Does Ping An Credit Card require an annual fee? How much is it?

An annual fee is required.

The annual fee for Ping An Bank's credit card is divided according to the card level. The specific fees are as follows:

Ping An Platinum Credit Card: The annual fee for the main card starts from 2,800 yuan; the annual fee for the supplementary card is 1,800 yuan;

Ping An Bank Credit Card: Annual fee for gold card principal card is RMB 300; annual fee for gold card supplementary card is RMB 150;

Annual fee for regular card principal card is RMB 100; annual fee for supplementary card is RMB 50 Yuan;

Ping An Insurance Credit 2113 Card: The annual fee for the main card is 100 yuan; the annual fee for the supplementary card is 50 yuan;

Ping An One Account: The annual fee for the gold card is 300 yuan RMB; the annual fee for the regular card is RMB 100;

Ping An Ctrip Business Travel Credit Card: the annual fee for the main card of the gold card is RMB 300; the annual fee for the supplementary card is RMB 150;

the annual fee for the main card of the regular card 100 yuan; annual fee for supplementary card is 50 yuan;

Ping An Car Owner Credit Card 5261: annual fee for main card is 200 yuan;

Ping An i-Car Credit Card: annual fee for main card is 300 yuan.

Extended information:

Ping An Bank’s credit card annual fee exemption policy:

Ping An Bank’s credit card, 1653, can enjoy the first-year annual fee exemption, and the card consumption reaches 6 The annual fee for the following year will be waived for the first time (except Platinum Card and Car Owner Card). The Ping An Platinum Credit Card has a rigid annual fee in the first year (cannot be reduced or reduced). If you spend RMB 150,000 or more in the current year, you will be exempted from 50% of the card's annual fee for the following year. If you spend RMB 300,000 or more in the current year, you will be exempted from the card's annual fee for the following year. Card rules are attached. Same as main card.

Ping An Car Owners’ credit card has a rigid annual fee in the first year (cannot be waived). If you spend 30,000 RMB or the equivalent in US dollars in that year, the annual fee for the next year will be waived.

What is the general annual fee for a Ping An Bank credit card? Can it be reduced or reduced?

Ping An Credit Card charges an annual fee, but the annual fee can be waived if certain conditions are met. Different types of credit cards have different annual fees.

Extended information:

1. Ping An Bank’s credit card annual fee exemption policy

Ping An Bank’s credit card can enjoy the first-year annual fee exemption, and the card consumption reaches 6 The annual fee for the next year will be waived for the first time (except Platinum Card and Car Owner Card). Ping An Platinum Credit Card has a rigid annual fee in the first year (cannot be waived). If you spend 150,000 yuan in the current year, you will be exempted from the card's 50-year annual fee for the next year. If you spend 300,000 yuan or more in the same year, you will be exempted from the card's annual fee for the next year. The rules for additional cards are the same. Main card. Ping An Car Owners' Credit Card has a rigid annual fee in the first year (cannot be waived). If you spend 30,000 RMB or the equivalent in US dollars in that year, the annual fee for the next year will be waived.

The first-year annual fee of some special credit cards is rigid and non-exempt, and can be waived if the conditions are met in the following year, for example:

1. Car owner card: 200 yuan/year for the main card, first payment The annual fee is not waived, and the annual fee will be generated immediately upon activation of the card; if you spend RMB 30,000 or the equivalent in US dollars in the current year, the annual fee will be waived for the next year, and so on.

2. Insurance Gold Card: The main card is RMB 200 per year, and the annual fee is not waived in the first year. Annual fees will be incurred immediately upon activation of the card; if you spend RMB 30,000 or the equivalent in U.S. dollars in the current year, the annual fee for the next year will be waived. , and so on.

3. Elite Platinum Card: Starting from 17/11/16, the first-year annual fee policy for the newly issued Elite Platinum Card will be adjusted from the original rigid annual fee in the first year to the first-year annual fee policy for the elite card within 3 natural months. 8,800 yuan, the first-year annual fee can be waived; the annual fee policy for the next year is adjusted and if the main card spends 120,000 yuan or more, the annual fee for the next year will be waived.