How to calculate the annual credit card fee of Ping An Bank? Understand a text!

Ping An Bank has many credit card products for users to apply for, and the annual fee when applying for a credit card has always been a concern. A user asked how to calculate the annual credit card fee of Ping An Bank. Then let's briefly talk about this problem for everyone, hoping that it will be helpful after reading it.

how to calculate the annual credit card fee of Ping An Bank?

classify by grade. If the user applies for a general card, the annual fee of the main card is 1 yuan and the annual fee of the supplementary card is 5 yuan.

if the user applies for a gold card, the annual fee for the main card is 3 yuan and the annual fee for the supplementary card is 15 yuan.

if the user applies for a platinum credit card, the annual fee for the main card is 28 yuan, and the annual fee for the supplementary card is 18 yuan.

In addition, if the user applies for a Ping An car owner card, the annual fee is 3 yuan every year, which is charged rigidly in the first year. However, if the annual fee is 3, yuan or more in that year, the annual fee in the following year can be reduced or exempted.

Generally speaking, although the annual fee is charged, as long as the consumption meets the requirements, it can basically be reduced or exempted. For example, China Merchants Bank can deduct the annual fee for the following year if it spends six transactions, and some banks can deduct the annual fee with points, such as CITIC Bank Premium Platinum Card, which can be deducted with 45 points or 22, points 1 yuan.

The above is the answer to "How to calculate the annual credit card fee of Ping An Bank". Generally speaking, according to the credit card grade and the difference between the main card and the supplementary card, the annual fee charged is different, and users can also consult the official channels on how to deduct it.

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

Nowadays, people's consumption habits have changed greatly in a subtle way, and credit card consumption has become a very mainstream consumption mode. For most cardholders, the highest charge for credit cards is the annual fee, and many credit cards can't be exempted from the annual fee. So what is the annual fee for credit cards? Let's introduce you to 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 2,8/year, and the supplementary card fee is RMB 1,8/year. The rigid annual fee of the main card in the first year can be exempted from 5% of the annual fee of the card in the following year if the consumption reaches 15, yuan in that year, and the annual fee of the card in the following year can be exempted if the consumption reaches 3, yuan in that year. The supplementary card rules are the same as those of the main card.

ping an bank credit card gold card: the main card charges RMB 3 yuan/year, and the supplementary card charges RMB 15 yuan/year. The main card is free of annual fee in the first year, and the annual fee for the next year is reduced by 6 swipes. Puka: The main card charges RMB 1 yuan/year, and the supplementary card charges RMB 5 yuan/year.

ping an bank insurance credit card gold card: the main card charges RMB 3 yuan/year, and the supplementary card charges RMB 15 yuan/year. The main card is free of annual fee in the first year, and the annual fee for the next year is reduced by 6 swipes. Puka: The main card charges RMB 1 yuan/year, and the supplementary card charges RMB 5 yuan/year.

Ping An One-Account Gold Card: the main card charges RMB 3 yuan/year, and the annual fee of the main card is exempted in the first year, and the annual fee of the next year is reduced by swiping for 6 times. Puka: The main card charge is RMB 1 yuan/year.

ping an Ctrip business travel credit card gold card: the main card charges RMB 3 yuan/year, and the supplementary card charges RMB 15 yuan/year. The main card is free of annual fee in the first year, and the annual fee for the next year is reduced by 6 swipes.

general card: the main card charges RMB 1 yuan/year, and the supplementary card charges RMB 5 yuan/year.

Ping An Bank Ping An Card Credit Card: The fee is RMB 1 yuan/year (plus RMB 5 yuan fee), and the annual fee is exempted in the first year, and the annual fee for the following year is reduced by 6 swipes.

ping an owner's credit card: the charge is RMB 2 yuan/year, and the annual fee is rigid in the first year. If the consumption in the current year is over RMB 3, or equivalent US dollars, the annual fee in the following year is exempted.

ping an I car credit card: the charge is RMB 3 yuan/year, the annual fee is free in the first year, and the annual fee is reduced for the next year after 6 swipes.

I'm going to apply for a good car owner credit card. Does anyone know how to charge the annual fee?

3 yuan/year, if the cardholder spends over 3, yuan in the current year, or members of Ping An Good Car Owner APP Silver and above will be exempted from the annual fee for the following year. The annual fee will be charged after the card is activated, and it will be collected first and then exempted. If the membership of the good car owner APP is downgraded before the annual fee date of the next year, it will no longer enjoy the preferential policy of annual fee for the next year, and the annual fee will only be reduced once for members in each nuclear card year. Customers must complete the real-name authentication in the form of bank card verification in the Ping An Good Car Owner APP before they can enjoy the annual fee waiver policy.

Extended information

Chapter III Application Conditions

Article 7 Any natural person who is over 2 years of age and not over 65 years of age, has full capacity for civil conduct, has a stable and legal source of income and has a good reputation may apply to the card issuer for a personal credit card master card with his valid identity certificate and other documents required by the card issuer. Personal card holders can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall be fully liable for the debts incurred under the main card and the supplementary card.

Chapter IV Application Procedures

Article 8 To apply for a credit card, the Application Form for Credit Card of Ping An Bank shall be truthfully filled in and the Credit Card Receiving Contract of Ping An Bank shall be signed. I can only apply for a credit card through the card issuer's formal channels, not through a third party or others, otherwise the risks arising therefrom will be borne by the cardholder, and the card issuer has the right to pursue the legitimate legal responsibilities including compensation for the applicant.

the applicant agrees that the card issuer will consult, retain, dispose of and use relevant materials according to business processes. When the applicant signs the Ping An Bank Credit Card Application Form for confirmation, it means that he/she confirms that he/she has fulfilled all the provisions therein and abides by the Articles of Association. The applicant himself shall ensure that the information provided is true and effective, and bear all the responsibilities for providing false information. The applicant's signature is deemed to have read and agreed to all the terms of the Ping An Bank Credit Card Application Form by default.

article 9 the card issuing institution shall determine whether to require the applicant to provide guarantee and the way of guarantee according to the applicant's application and credit status, and whether to approve the applicant's card application. Whether approved or not, the card issuer will not return the applicant's application materials, but will keep the application materials confidential.

article 1 an applicant may choose to apply for a credit card by providing guarantee, including guarantee, mortgage and pledge. A corresponding guarantee contract can be signed separately for the guarantee. The scope of guarantee covers all the debts incurred by the cardholder under the credit card of the card issuer.

article 11 the validity period of a credit card is generally not more than 1 years, and it will automatically become invalid upon expiration, but the creditor-debtor relationship of the cardholder under this credit card remains unchanged. If the cardholder is unwilling to get a new card upon expiration, he shall notify the card issuer in writing or in other forms recognized by both parties one month before the expiration of the validity period of the card. Otherwise, the card issuer shall issue a new card to the cardholder who meets the conditions for card renewal, except that the cardholder has not activated the credit card within the validity period of the credit card.

Article 12 If a cardholder refuses to replace a new card or stops using it halfway after the card expires, the cardholder shall repay the overdraft principal and interest and related expenses, and then go through the account cancellation procedures in a way recognized by both parties. However, regardless of the status of the credit card, the cardholder shall repay the overdraft principal and interest and related expenses. The card issuer will not refund the annual fee received.