How much is the annual fee for Ping An Credit Card? Ping An Credit Card Annual Fee Rules!

Nowadays, people's consumption habits have undergone huge changes in a subtle way, and credit card consumption is now a very mainstream consumption method. For most cardholders, the highest credit card charge is the annual fee, and the annual fee for many credit cards cannot be waived. So what is the annual fee for a credit card? Let me introduce to you the annual fee rules of Ping An Credit Card.

Ping An Credit Card Annual Fee Rules:

Ping An Platinum Credit Card: The main card fee is RMB 2,800 per year, and the supplementary card fee is RMB 1,800 per year. The main card has a rigid annual fee in the first year. If you spend more than 150,000 yuan in that year, you can waive 50% of the annual fee of the card in the next year. If you spend more than 300,000 yuan in the same year, you can waive the annual fee of the card in the next year. The rules for additional cards are the same as those of the main card.

Ping An Bank Credit Card Gold Card: The main card fee is RMB 300 per year, and the supplementary card fee is RMB 150 per year. The annual fee for the main card is waived in the first year, and the annual fee for the following year is waived after 6 purchases. Regular card: The main card fee is RMB 100 per year, and the supplementary card fee is RMB 50 per year.

Ping An Bank Insurance Credit Card Gold Card: The main card fee is RMB 300 per year, and the supplementary card fee is RMB 150 per year. The annual fee for the main card is waived in the first year, and the annual fee for the following year is waived after 6 purchases. Regular card: The main card fee is RMB 100 per year, and the supplementary card fee is RMB 50 per year.

Ping An One-Connect Gold Card: The main card fee is RMB 300 per year. The annual fee for the main card is waived in the first year, and the annual fee for the following year is waived after 6 purchases. Regular card: The main card fee is RMB 100 per year.

Ping An Ctrip Business Travel Credit Card Gold Card: The main card fee is RMB 300 per year, and the supplementary card fee is RMB 150 per year. The annual fee for the main card is waived in the first year, and the annual fee for the following year is waived after 6 purchases.

General card: The main card fee is RMB 100 per year, and the supplementary card fee is RMB 50 per year.

Ping An Bank Ping An Card Credit Card: The fee is RMB 100 per year (an additional RMB 50 production fee is charged). The annual fee is waived in the first year, and the annual fee for the next year is waived after 6 purchases.

Ping An Car Owner Credit Card: The fee is RMB 200 per year, with a rigid annual fee in the first year. If you spend 30,000 RMB or the equivalent in US dollars in the current year, the annual fee for the next year will be waived.

Ping An i-Car Credit Card: The fee is RMB 300 per year, the annual fee is waived in the first year, and the annual fee for the next year is waived after 6 purchases.

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 will be exempted from 50% of the annual fee of the card in the next year. If you spend 300,000 yuan in the current year, you will be exempted from the annual fee. The annual fee for the next year of the card is the same as that of 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.

Novices must 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.

Is there an annual fee for Ping An Bank's credit card?

Ping An Bank's credit card has an annual fee. The specific charging rules for the annual fee are:

1. Ping An Bank's credit card The annual fee for the main card of the regular card is 100 yuan/year, and the annual fee for the supplementary card is 80 yuan/year;

2. The annual fee for the main card of the Ping An Bank Gold Credit Card is 175 yuan/year, and the annual fee for the supplementary card is 175 yuan/year. The annual fee is 125 yuan/year;

3. The annual fee for the main card of the Ping An Bank Platinum Credit Card is 2,800 yuan/year, and the annual fee for the supplementary card is 1,800 yuan/year;

4. The annual fee for the main card of the Ping An Bank Diamond Card is 10,000 yuan/year, and the annual fee for the supplementary card is 6,000 yuan/year.

Ping An Bank credit cards have an annual fee exemption policy:

1. Among Ping An Bank credit cards, some cards enjoy automatic annual fee exemption in the first year, and the annual fee exemption will continue after the consumption reaches the standard in the second year. For example, for Ping An Bank and Ctrip Platinum Credit Card, the annual fee is 480 yuan/year. The annual fee is automatically waived in the first year. If you make 12 purchases in the year, the annual fee can be continued to be reduced; for the Ping An Good Car Owner Card, the annual fee is automatically waived in the first year. If you make 6 purchases, you can continue to have your annual fee waived.

2. Among the Ping An Bank credit cards, some card types can waive annual fees for life, such as Ping An Youni Card, Ping An Without Card, American Express Red Card, MasterCard Platinum Card, etc.; in addition, as long as it is in New customers who apply for the Ping An Joy Platinum Card before December 31 this year can also enjoy lifetime annual fee exemption.

Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has many Special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Any natural person who is over 18 years old, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation can apply to the card issuer with his or her valid identity document and other documents required by the card issuer. Receive a credit card personal card master card. Ping An Bank credit card principal cardholders can apply for supplementary cards for other qualified natural persons. The principal cardholder is fully responsible for repaying the debts incurred under the principal card and supplementary cards. Supplementary cardholders are jointly and severally liable for the debts incurred under the principal card and supplementary cards.

What are the general annual fees for Ping An Bank credit cards?

The annual fee for Ping An Bank’s regular credit cards is generally 100 yuan, but the annual fees for most credit cards are reduced by reaching a certain number of card swipes. Only some platinum credit cards have rigid annual fees, but you can enjoy the benefits There will also be more

How to calculate the annual fee for Ping An Bank’s credit card? One article to understand!

Ping An Bank has many credit card products for users to apply for, but the issue of annual fees has always been a concern for everyone when applying for a credit card. A user asked how to calculate the annual fee for Ping An Bank's credit card? So let me briefly talk about this issue for you. I hope you will find it helpful after reading it.

How to calculate the annual fee for Ping An Bank’s credit card?

Classified according to level. If the user applies for a regular card, the annual fee for the main card is 100 yuan per year, and the annual fee for the supplementary card is 50 yuan;

If If the user applies for a gold card, then the annual fee for the main card is 300 yuan per year, and the annual fee for the supplementary card is 150 yuan;

If the user applies for a platinum credit card, then the annual fee for the main card is 2,800 yuan per year, and the annual fee for the supplementary card is 1,800 yuan.

In addition, if the user applies for a Ping An Car Owner Card, the annual fee is 300 yuan per year, which is rigidly charged in the first year. However, if the current year’s consumption reaches 30,000 yuan or more, the annual fee for the following year can be reduced. .

Generally speaking, although the annual fee is charged, as long as the user's consumption meets the requirements, it can basically be reduced. For example, if China Merchants Bank makes 6 purchases, it can be deducted from the following year's fees. Some banks can use points to deduct the annual fee. For example, the CITIC Bank Premier Platinum Card can use 45 points or 220,000 points to deduct 1,000 yuan.

The above is the answer to "How to calculate the annual fee for Ping An Bank's credit card". Generally speaking, there are certain differences in the annual fees charged based on the credit card level and the main card and supplementary cards. Users can also consult official channels on how to deduct it.

This ends the introduction on how to deduct the annual fee for Ping An Credit Card and how to deduct the annual fee for Ping An Credit Card. I wonder if you found the information you need?