Ping An Bank Credit Card Introduction: Different card types have different benefits
The anti-fraud risk management launched by Ping An Bank Credit Card has been well received, so consumers are very willing to apply for Ping An Bank’s credit card. Ping An Bank has also opened different card types for different consumers.
Ping An Standard Card
Annual fee: 100 yuan, free of charge for the next year if you use it 6 times. The annual fee of 100 yuan is considered very low, and there is also a no-annual-fee policy, so it costs almost nothing.
Quota: 1,000-50,000. Normal units with formal jobs are 10,000. Of course, other factors must be considered. The quota is considered very high among ordinary cards.
Benefits:
1. Travel safety: Comprehensive traffic accident insurance for the first purchase
Aircraft accident insurance of 300,000 yuan; traffic accident insurance of 100,000 yuan Yuan; automobile (including bus) accidental injury 50,000 Yuan; traffic accident medical insurance coverage 5,000 Yuan; traffic accident hospitalization allowance 30 Yuan/day, with a maximum compensation of 180 days; advance payment for traffic accident hospitalization medical expenses.
2. Spending security: multiple protections for card swiping and spending
Card swiping passwords and spending SMS reminders help you understand account changes in real time, making card swiping and spending safer.
3. Maximum card loss protection of 72 hours before reporting loss
Loss of card swiping expenses caused by the loss of credit card within 72 hours before reporting loss can obtain high-amount double protection , eliminating your worries about losing your card.
Double insurance: Loss protection for card swiping (only signature confirmation) loss protection against credit card robberies and cash withdrawals (with transaction password), so you can have peace of mind when you lose your card.
High limit: The upper limit of the protection amount can be fixed in total, up to RMB 50,000
Ping An Car Owner Gold Card
Annual fee: RMB 200, redeemable in the first year The next year is free for those who exceed 30,000 yuan. The annual fee of 200 yuan is considered low among gold cards!
Quota: 10,000-50,000. The limit in the gold card is very good.
Rights:
1. Accident insurance: RMB 1.1 million accident insurance for all vehicle personnel, roadside assistance 365 days a year, and 72-hour cost protection before losing the card. And spending points can be fully redeemed for Ping An auto insurance premiums!
2. 12% off on refueling for new customers: New customers can enjoy 12% off on refueling by downloading the "Ping An Good Car Owner APP" and recharging/swiping their card at designated gas stations for two months starting from the month when the card is approved. The maximum monthly credit of 200 yuan can be used to offset the refueling costs at designated gas stations in the next month.
3. Regular customers can get 12% off on refueling: if you spend 2,000 yuan or more on your credit card points in the month, you can enjoy 12% off on refueling at designated gas stations that month, with a maximum of 80 yuan in refueling credits.
Ping An Elite Platinum Card:
Annual fee: 600 yuan, which cannot be reduced, but can be earned back with benefits.
Limit: The limit of the Platinum Card can be very high, but I think many cardholders report that it is normally between 20,000 and 60,000. The initial review is actually okay, I will mention it later!
Rights:
1. Wanlitong points: Ping An credit cards and debit cards have points, and they are unified. They are all called Wanlitong points, which can be exchanged for various prizes, physical examinations, etc. Transportation, phone bills, gas, etc. are basically equivalent to 500 points per dollar.
2. Elite White premium privileges: Elite Platinum UnionPay single-currency double domestic and foreign cashback, dual-currency domestic double foreign cashback
3. Quick payment with points: Quick Tips for paying twice the points: If you enter Taobao to buy something through Wanlitong and then settle through Quick Payment, you can get multiple points. The number of times depends on the specific situation.
4. Airport pick-up and drop-off: On the 15th of the month following activation, you can enjoy a domestic airport pick-up service for RMB 66, up to 6 times per card year.
5. Value-for-money health benefits: Ping An Bank offers good health benefits and also provides professional teeth cleaning services. I could just get my 500 annual fee back by cleaning my teeth or something.
Xiaocai reminds that banks have set up different card types based on different consumption needs. Consumers should also choose carefully and apply for credit cards according to their own needs, and do not apply for cards blindly.
It is necessary to consult and understand the detailed information of the credit card and carefully read the terms that require signature to avoid unnecessary trouble caused by ignoring the credit card information.
How to use Ping An Bank’s credit card
The methods of using Ping An Bank’s credit card include swiping, cash withdrawal and online payment.
1. Ping An credit card swiping skills: the number of card swiping purchases per month is greater than 3, the consumption limit accounts for 30 of the credit limit, and do not cash out the credit card limit with POS machines of unscrupulous merchants;
2. Ping An Bank credit cards can be used to withdraw cash from any ATM with the UnionPay logo in the country.
Ping An Bank Credit Card is the first credit business 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". Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations. As of November 2018, the number of cards in circulation has exceeded 50 million. Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of more than RMB 130 billion. Its head office is located in Shenzhen, and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.
Ping An Credit Card Function Guarantee:
1. Consumption losses are fully guaranteed 72 hours before the loss is reported. If your credit card is lost or stolen, no matter whether you set up password-based transactions or not, after reporting the loss You can apply to the Bank for compensation for any losses caused by fraudulent use of your card within the first 72 hours.
2. Full protection of cash advance losses if a credit card is robbed - if the cardholder is hijacked by a gangster and is forced to disclose the stolen money to the gangster under coercion and serious threat to life and health. If the credit card password in the name of the cardholder results in losses caused by criminals borrowing cash from the credit card through an automated teller machine (ATM) or bank counter, the cardholder can apply to the Bank for compensation.
3. You can choose the transaction password. When you activate the card, the consumption method we set for you is "signature only". If you choose "Sign with password for consumption", please call the 24-hour customer service hotline to apply for settings. After setting the transaction password, you can also change the password through the Bank's ATM cash machines, CDM deposit machines, 24-hour customer service hotline or by logging in to the Bank's credit card website.
4. Home safety protection. All Ping An Bank credit card holders can enjoy home property theft protection. Cardholders only need to activate the card and successfully swipe the card once (no limit on the amount) to receive free home security. Property theft insurance and door and window lock malicious damage insurance. Gold card holders can also receive cash and gold and silver jewelry theft insurance to protect your home safety.
5. Worry-free travel protection, as long as you use the Ping An Bank credit card gold card you hold, swipe the card to pay for yourself 100 passenger and civil air tickets or payment for the flight (not limited to domestic and international flights) For a tour group fee of RMB 80 or above (including air transportation), you can receive aviation accident insurance coverage of up to RMB 2 million.
Ping An Bank Credit Card Application and Use Guide
1. Ping An Bank Credit Card Application Guide
1. What types of Ping An Bank credit cards are there?
2. How to apply for Ping An Bank credit card?
2. Guide to using Ping An Bank’s credit cards
1. Ping An Bank Platinum Credit Card enjoys premium services
2. Ping An Bank China Travel Credit Card Platinum Card has an annual fee of RMB 2,800 Enjoy high-end services
3. Features of the Ping An Bank Taobao Credit Card Co-branded Card
4. Practical evaluation of the Ping An Bank Wanli Tong Co-branded Credit Card Gold Card
5. How about Ping An Bank’s car owner credit card/car owner’s all-in-one card?
3. Introduction to Ping An Bank’s selected credit cards
1. How much money can be withdrawn with Ping An Bank’s credit cards?
2. What are the existing fees for withdrawing money with a Ping An Bank credit card?
3. What is the credit limit of Ping An Bank? How to inquire?
4. How are Ping An Bank’s credit card consumption installments and bill installments regulated?
5. Points accumulation rules for Ping An Bank credit cards
6. How are Ping An Bank credit cards charged? What charges are there?
7. How about the card loss protection of Ping An Bank’s credit card 72 hours before reporting the loss?
That’s it for the introduction of Ping An Credit Card knowledge.