Ping An Bank has more than 40 kinds of credit cards. So, among so many products, which ones are the most worth having?
First of all, let me introduce the activity characteristics of Ping An Bank:
1, low threshold, easy to operate.
2. Long duration and year-round coverage.
3. The activities are average, and there are not many big activities. Usually activities can be combined with some cash back cards of Ping An to participate in activities, that is, cash back with rewards.
The following recommendation cards are recommended to be used in conjunction with usual activities, so that you can have "cash back benefits" after participating in the activities. At present, you can get the 80 yuan Mall coupon by spending 188 yuan for the first time after opening the card. Please remember to spend money when you open the card.
1, Ping An Centurion AE card, with initial investment of 50,000 yuan.
At present, Ping An has opened the only online application channel for Centurion Platinum Card.
Card features: high card withdrawal rate; No card opening, no annual fee; The initial investment amount is 50,000; Can be used with Ping An Platinum Card; Ping An Centurion Supplementary Card (free of annual fee) can be applied directly in the software.
2. Ping An Elite Platinum Card Iqiyi Gold Card
The annual fee-free Iqiyi Gold Card can also be used as an unlimited number of iQiyi gold members.
Iqiyi Gold VIP members are not paid in one lump sum every year. You can get a monthly card of Iqiyi VIP gold members for free for one month. If you spend more than RMB 188 in 3 yuan every month, you can get a gold member for next month. Monthly payment is up to standard, and the rights and interests are enjoyed for life.
The most important thing is that the monthly card of Aiqiyi VIP gold members is issued in the form of activation code. If you don't need it, you can give it to your friends or cash it. Remember never to waste it.
Annual fee-free elite platinum card (there is an interest, no annual fee is required, and you can choose to be the first card if you meet the standard)
Free of annual fee: if you spend 8800 yuan within 3 months after the card is verified, you will be free of annual fee for the first year, and if you spend1.2000 yuan, you will be free of annual fee for the next year.
Refueling rights: you can enjoy a 28% discount when you refuel. You don't need to apply for a car owner's card with an annual fee. You can enjoy a 28% discount by recharging your oil card directly on Ping An Credit Card software.
When the integral consumption reaches 2000 yuan in the current month, you can enjoy a 28% discount when you use the designated credit card to refuel at the designated gas station in the current month, and get the highest 80 yuan Refueling Award.
Flight delay: 2-hour quota 800 yuan/delay guarantee.
Airport shuttle bus: 6 times, 66 yuan/time (other rights are not enough to apply for this card)
3. Peace Travel Gold Card Cash Back 0.5%.
The threshold is low and no annual fee is required. Cash back can be obtained by spending under the specified mcc(45 1 1, 4722, 70 1 1) every month, and the maximum cash back for the gold card is 100 yuan per month.
Cash back note: air tickets, hotels and travel agencies need to enjoy 0.5% consumption rebate, and overpayment does not enjoy cash back.
Of course, there is also the cashback strength of travel platinum card 1%, which can be cashed back to 500 yuan at most every month, but it needs the rigid annual fee of 1.200 yuan. For beginners, it is recommended to familiarize yourself with banking activities and urine from the gold card first, and then advance (described later in the travel platinum card).
4. Car enthusiast safety car owner card.
Refueling is 88% off every month, and Ping An Gold Card can be cashed back to 80 yuan at most every month. Cash back needs to be recharged at the designated gas station or APP. The annual fee for the first year is 200 yuan, and the annual fee for the second year is 30,000 square meters.
It should be noted that you can enjoy the cash back activity of setting up a gas station with a discount of 8.8% only if the accumulated integral consumption in that month is over 2,000 yuan.
5. Cash back 1% travel platinum card.
You can increase the amount through the curve. The initial amount of this card is 30,000 yuan, and the annual fee of this card is 1200 yuan. In the second year, points can be deducted (200,000 yuan is needed) and can be cashed back every month. The amount of cash back depends on your credit card limit. If it is 30,000 yuan, it will be returned to 300 yuan every month (1%).
Ping An Travel Platinum Card is suitable to be superimposed with Ping An activities, or held by friends who want curve quota. No card opening, no annual fee, but you can enjoy the customer service treatment of platinum card.
6. Ping An Platinum Card
The key is the annual fee of this card.
In the first year, the rigid annual fee of 2800 yuan can't escape, and the annual fee of the following year is exempted for any consumption of 300,000 yuan, and the annual fee of 654.38+0.5 million yuan is exempted for any consumption. Just like traveling, the places and rights after the first year are all your own. No matter how hard you try, it is difficult to get a low card quota. With a quota of 50,000, you will have a little confidence in participating in the activities.
Related rights and interests:
First, multiple points, 5 times birthday monthly points should not be missed (worth 2,500 yuan)
Don't miss 5 times (4 times the basic points) points to win the big platinum. You can participate in the whole birthday month, and the highest reward is 1 10,000 miles. If you want to get 1 10,000 bonus points, you can get 1.25 million Ping An points by spending a total of 250,000 points.
It should be noted that for supermarket consumption with MCC of 54 1 1, the cumulative consumption within a natural month does not exceed 3,000 yuan (including 3,000 yuan), and points exceeding 3,000 yuan will not be accumulated.
1.25 million What can I exchange for Ping An Dabai points? The general ratio is 500: 1, and the value is 2,500 yuan, which can be exchanged for phone bills, oil cards, integral treasure and JD.COM Jingdou deductions, Wal-Mart vouchers, auto insurance, credit card cash deductions, mileage exchange, etc.
Of course, there are not many cardholders who can get 1 10,000 points. You can measure them according to your own consumption needs.
Two, domestic airport transit, 6 times (used in 600 yuan).
This right is also suitable for cardholders who just need it. The right covers nearly 40 cities in China, with all-weather one-way shuttle service in the same city (supporting high-speed rail and railway station). You can enjoy free shuttle service every month 1 time if you spend more than 3000 yuan, with a maximum of 6 times per card year.
The threshold is not high, but other platinum cards also have the right to pick up. There are many claim cards that can't be used up. You can make a reservation for your friend. Just call the VIP line of Ping An Bank four hours in advance to make an appointment.
The list of 40 cities is as follows: Beijing, Shanghai, Chongqing, Tianjin, Guangdong, Hainan, Jiangsu, Zhejiang, Fujian, Guangxi, Henan, Hubei, Hunan, Chengdu, Jiangxi, Liaoning, Shandong, Shanxi, Shaanxi, Yunnan, Hebei, Guizhou, Gansu, Jilin, Heilongjiang and Inner Mongolia Valley.
Three, air delay insurance, 2 hours up to 2000 yuan.
2,000 yuan for 2 hours, unlimited times, no upper limit. You need to pay 80% or more of the flight fare, and you can get compensation if the flight is delayed for 2 hours or more. The maximum amount of compensation is 2000 yuan, which does not exceed the purchased fare. How to identify delays?
According to the departure or arrival delay, only one item needs to be met:
1. Departure delay: actual departure time-planned departure time = 120min.
2. Arrival delay: actual arrival time-planned arrival time =120min.
It should be noted that the flight is cancelled unless the delay time of the scheduled flight reaches the time stipulated in the insurance policy before cancellation.
Payment only requires boarding pass and travel to travel itinerary. The detailed operation process can be viewed on this platinum card introduction page of Ping An official website. However, many people don't use this card to buy air tickets, and buying air tickets may not be delayed. This heavy hair can't be casually added to the "positive income" of Ping An Platinum.
Fourth, send high accident insurance (unused)
Traffic protection, maximum 1 10,000 passengers accident protection. From the day after the first brush, the cardholder can get the driver's accident protection of up to 400,000 yuan, and the family members of the same car (immediate family members only) can get the passenger accident protection of up to 1 10,000 yuan (non-commercial private cars only, with a maximum of 6 people).
The highest comprehensive traffic accident protection is RMB 6,543,800,000: the highest aviation accident protection is RMB 6,543,800,000, the accident protection for trains and ships is RMB 2,000,000, and the accident protection for operating vehicles is RMB 6,543,800,000. The coverage is global.
5. 28% discount on gas, per month 120 yuan (one year 1440 yuan, so you shouldn't need so much).
There are many rights cards for Ping An refueling, including car card, elite white card, tourist white card and diamond card, but the upper limit is different. Elite White is the highest monthly 80 yuan, and the annual platinum fee is 120 yuan. Conveniently, you can recharge directly at Ping An Pocket Bank or Sinopec website UnionPay without going out.
How Ping An Credit Card Users Recommend New Users
The recommender will share it with the recommended person through the "Recommend Now" button on the activity page, and make him successfully submit a credit card application through the exclusive card handling link shared before the end of this month.
Which card should I use for Ping An Credit Card?
Ping An Centurion AE Card: The only Centurion Platinum Card that can be applied online at present. Ping An has opened an online application channel with a high card issuance rate. There is no annual fee for not opening the card, and the starting amount is 50,000; Ping An Elite Platinum Card Aiqiyi Gold Card: Aiqiyi Gold Card is free of annual fee, and you can also get the membership of Aiqiyi Gold indefinitely.
Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.
3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Four, the object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
How to invite friends to apply for Ping An Bank credit card?
Ping An Bank Credit Card can invite friends to apply for Ping An Bank Credit Card through online banking.
Invite friends to apply for Ping An Bank credit card conditions:
1. The referrer must be the main cardholder of Ping An Bank. Non-Ping An bank card holders can successfully activate Ping An credit card, swipe the card first and then invite.
Operating environment: Xiaomi mobile phone (version number: MIUI 12.5.9)
2. Log in to Ping An Pocket Bank APP with your mobile phone, enter the name, mobile phone number and email address of the recommended friend according to the prompt through "Credit Card Application" and "Recommendation Card", and follow the prompt after entering the verification code displayed on the page.
3. When recommenders share recommendation information, they need to ensure that the entered mobile phone number is reserved by Ping An Bank, or the system has automatically brought out the recommender information, otherwise it will affect the recommendation data statistics.
4. The recommender can check the recommendation progress through the activity page in Ping An Pocket Bank APP→ Credit Card Channel, or search for "Invite New Gifts" in the Pocket APP to enter the invitation inquiry page.
5. The recommender must be a new customer who has never held the main credit card of Ping An Bank (including Shenzhen Development Bank) or a customer whose credit card has been cancelled for more than 1 year.
6. The recommended person needs to apply for Ping An Credit Card through the exclusive card entrance shared by the recommender.
: precautions for credit card use
1, guarantee repayment on time.
The most important thing to use a credit card is to repay it on time. Otherwise, the long-term non-payment of overdue debts will affect the credit record of individuals in the central bank. Once personal credit is tainted, it will bring trouble to apply for a credit card or a loan in the future. Repayment is also very simple now. Everyone must remember the repayment time and remind themselves to repay on time.
2. Use cards in a planned way.
A friend who just got a credit card may not be able to control his consumption desire, but no matter how short of money, don't empty the credit line at one time, which is easy to get stuck. Every consumption of a credit card should be repaid on time, and consumption should remember to do what you can.
3. Say goodbye to sleep card.
"sleep card" is a credit card that is basically not used all the year round. If you put the card in your wallet, you can ignore it. Many people may think that as long as the credit card is not activated, there will be no annual fee, let alone no charge. This idea is wrong. Sleep card is likely to have an annual fee, especially sleep card, which has been activated. Therefore, if you have an unused credit card, you'd better cancel it in time.
4. Don't have too many credit cards.
Many novices like to handle multiple credit cards in a short time, but this method is actually not feasible. If you apply for more than one credit card at the same time, you will be checked for credit many times and rejected by the bank during the application process. The bank will think that you are particularly short of money recently and there is a risk of being unable to repay it.
How to recommend Ping An credit card? The introduction of Ping An credit card worthy of application ends here. I wonder if you found the information you need from it?