The main advantage of Ping An Bank’s car owner credit card is that it has higher accident insurance protection. Starting from 0:00 on the next day after you apply for the card, you can enjoy up to 500,000 yuan when driving a vehicle. The driver's accident insurance coverage, while other people in the same car can enjoy driving accident insurance coverage of up to 100,000 yuan per person, and the maximum number of people is 6 people, which actually equals that you can enjoy a total of 1.1 million yuan Driving accident insurance coverage for all vehicle occupants, this is what I am most optimistic about personally, and it is also a worthwhile service for card owners. In addition to driving accident insurance protection, all vehicle personnel, including the driver, can also enjoy driving accident medical insurance of up to 4,000 yuan per person. The second benefit is that you can enjoy a 12% discount on refueling. The third benefit is the road assistance service. This service can provide you with free road assistance services within 30 kilometers once a day. If you encounter problems while driving in China, you can call the road assistance service number to apply for rescue services within 30 kilometers. . This service also takes effect from 0:00 on the day after the first brushing, and is only available once a day, but there is no limit to the number of days throughout the year. In addition, emergency repair services such as calling for power connections, tire changes, and oil and water delivery can be guaranteed to arrive in urban areas across the country within 40 minutes, and towing services can ensure that rescue vehicles can depart within ten minutes.

The disadvantage of Ping An Bank’s car owner credit card is that the annual fee is relatively high. Generally, the first-year annual fee is two hundred yuan, and the annual fee will be incurred immediately after your card is activated. If you want to waive the annual fee for the next year, the consumption on the car owner's credit card or the car owner's all-in-one card credit account must exceed 30,000 yuan in the first year. Therefore, Ping An Bank's car owner credit card has both advantages and disadvantages. Whether you should use it or not depends on your personal needs, because it was originally launched for private car owners. If your annual car consumption can usually reach about 30,000 yuan, use it. If you drive a lot and use a lot of fuel, you can still consider it.