In terms of financial functions, I personally feel that ICBC’s is better:
1. ICBC’s credit card business has been operating for many years, and its security technology is more mature;
2. There are more branches and self-service machines than Ping An, making it convenient to deposit and withdraw cash or make repayments;
3. The ICBC card is free of annual fees for 5 purchases with no limit on the amount each time;
4. After you apply for an ICBC card, if there is cash on the card and you withdraw it locally, there is no handling fee. Ping An will charge you a cash fee even if you have money on the card and you withdraw it locally.
Of course, some Ping An credit cards can come with insurance. It depends on your main purpose or what you are mainly concerned about