How much is the annual fee for Ping An Credit Card?

The annual fees for different levels of Ping An Bank credit cards are different. For example: the annual fee for the main card of a diamond card is 10,000 yuan, and the annual fee for an additional card is 6,000 yuan; the annual fee for a platinum card is 400-6,000 yuan for the main card, and 0-3,000 yuan for the supplementary card; the annual fee for a high-end co-branded credit card is 400-600 yuan for the main card, and 200-480 yuan for the supplementary card. Yuan.

Standard gold card main card: 200-300 yuan, supplementary card 100-150 yuan; standard ordinary card main card 65-100 yuan, supplementary card 40-50 yuan; personalized card 18-288 yuan .

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount.

Most banks in China have credit card installment services. Installments are generally divided into shopping mall (POS) installments, "mail order installments" and bill installments through the Internet, mail, etc. depending on the occasion. .

Shopping mall installment, also known as POS installment, means that cardholders go to shopping places, such as "malls" where installment can be purchased. When checking out, please show a credit card that supports installment payment at the mall and indicate that you need to pay in installments. The cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues).

Note: Cardholder identity verification is required when making installment purchases in shopping malls, so remember to bring your ID card. Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank. Installment products can generally be purchased as long as they are normally sold in the shopping mall. In many cases, cardholders can also bundle multiple items together for checkout and then make installment payments.

Most credit card users are familiar with credit card installment payments. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Bill installment is the most convenient installment method. Basically, all card-issuing banks can support this installment method, and the application is simple. Users only need to submit an installment application to the card-issuing bank by phone or other methods after swiping their card for consumption and before monthly bills are sent. However, it should be noted that each bank will stipulate some special cases. For example, speculative card swiping will not be successful in installments. So before proceeding with staging, be sure to read the staging manual carefully.

The disadvantage of bill installment is that the handling fee cannot be waived. The longer the number of installments, the higher the handling fee, which must be borne by the cardholder himself.

Is there an annual fee for the Ping An Bank Card?

1. There is no annual fee for the Ping An Bank Debit Card.

Ping An Bank debit card ATM inter-bank withdrawals in the same city are 2 yuan per transaction; ATM inter-bank withdrawals in different places are 2 yuan / transaction + withdrawal amount 5‰.

Ping An Bank’s debit card account will charge a small account management fee of 2 yuan if the account is less than 1,000 yuan. However, if you sign up for payment agency or bank-certificate third-party custody business, the account management fee can also be waived.

2. The annual fee standards for Ping An Bank’s credit cards are as follows:

Principal card: 100 yuan/year; supplementary card: 50 yuan/year.

Gold card main card: 300 yuan/year; supplementary card: 150 yuan/year.

Platinum credit card: main card: 2,800 yuan/year, supplementary card: 1,800 yuan/year.

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

Ping An Bank's regular and gold credit cards are exempt from annual fees in the first year. If you make 6 purchases with the card in the same year, you will be exempted from the annual fee for the next year. Annual fee.

The rigid annual fee of the Ping An Bank Platinum Credit Card cannot be waived in the first year. If you spend 150,000 yuan in the current year, you can waive 50% of the annual fee of the card in the second year. If you spend 300,000 yuan in the same year, you can waive the annual fee of the card in the second year. The annual fee rules for additional cards are the same as those for the main card.

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%. The controlling shareholder of Ping An 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.

Does Ping An Credit Card have an annual fee?

Different types of credit cards of Ping An Bank have different annual fee standards. You can log in to Ping An Pocket Bank APP-Credit Card-More-Card Family Portrait to learn more Annual fees for different credit cards.

If you need to inquire about Ping An Bank's credit card business, you can click on the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation.

Response time: 2021-12-27. For the latest business changes, please refer to the official website of Ping An Bank.

How to calculate the annual fee for Ping An Credit Card?

Ping An Bank has many credit cards. Different cards used by users will have different annual fee charging standards and related regulations.

1. Ping An Bank Credit Card:

General card: RMB 100/year for the main card, RMB 50/year for the supplementary card; Gold card: RMB 300/year for the main card, Supplementary card RMB 150 per year. The annual fee will be waived in the first year, and the annual fee will be waived for the following year if the payment is made 6 times during the annual fee cycle.

2. Ping An Platinum Credit Card:

The main card is RMB 2,800 per year; the supplementary card is RMB 1,800 per year. The annual fee is rigid in the first year and cannot be reduced or reduced; if you spend RMB 150,000 or more during the annual fee cycle, you will be exempted from 50% of the annual fee for the next year, and if you spend RMB 300,000 or more, you will be exempted from the annual fee for the next year.

1. Is Ping An Bank’s credit card reliable?

Ping An Bank’s credit card is reliable.

Ping An’s credit cards are generally very good, and each card comes with its own insurance. Ping An car owners get 12% off on refueling with their credit card, and it comes with 1.1 million insurance, which is pretty good.

About three months after deactivating the card, the fixed limit will be raised for the first time, and the increase will be about 30%. The second fixed quota increase is 6 months after the first quota increase, and there are two quota increase opportunities a year. Therefore, everyone should pay attention to their quota increase time and do not miss these two opportunities.

During the first and second withdrawal of the fixed quota, there will be two temporary quota releases. Generally, the temporary quota range is about 50%. Using the temporary quota does not occupy the fixed quota period. And every time the temporary limit expires, the temporary quota will be generously given out in a few days.

Each major bank's credit card has its own pros and cons. The shortcoming of Ping An Bank is that the interest rate on consumer credit cards is a bit high. Ping An Credit Card has different card types, with different types of cards and different bonus benefits. Customers can choose the appropriate card type according to their actual needs

2. Ping An Bank Credit Card Annual Fee Waiver Policy:

< p> Ping An Bank Credit Card, 1653 can enjoy the first-year annual fee exemption, and the annual fee for the next year will be waived if you make 6 purchases with the card in the same year (excluding platinum cards and car owner cards). 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.

3. Process of applying for a credit card:

After confirming the bank, you can log on to the official website of each major bank for detailed information; you can apply directly to the business branch, or apply on the bank's official website; fill in the form , fill in the relevant information truthfully according to the guidance of the staff; submit the information to the bank for review after completion; the card can be issued after the review is passed.

Legal basis: Article 33 of the "Administrative Measures for Credit Card Processing Business" Any unit that opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China may apply for an unit card. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

That’s it for the introduction to the annual fee of Ping An Credit Card.