What credit card is more cost-effective for vehicle refueling?

1. Ping An Car Owners Credit Card

This credit card is a gold card. Truck owners can enjoy a 12% discount on refueling every day, enjoy refueling discounts at nearly 8,000 gas stations across the country, and receive annual rebates. As high as 960 yuan, this benefit is a real savings for car owners who can’t afford to pay for gas. In addition, 1.1 million yuan of full vehicle personnel protection and nationwide free roadside assistance can be obtained for free as long as you complete the first purchase. The annual fee for this card is RMB 200 per year, and the annual fee for the following year will be reduced if you spend over RMB 30,000.

2. CCB Longka Auto Credit Card

This card is more difficult to apply for, and the vehicle production standards are relatively strict. The vehicle needs to have a displacement of 1.0 liters and above, 7 seats and below, and the vehicle is of a young age. Only those who have been more than 8 years old can apply for the Longka Auto Credit Card. Cardholders of this card have the following benefits: double points for oil changes, 15 yuan car wash discount, car insurance purchase discount, free roadside assistance, car rental privileges, etc. In addition, the annual fee of this card is 200 yuan/year, and the annual fee of the card cannot be reduced or reduced.

3. Guangfa Car Owner Credit Card

This car owner credit card has two levels: regular card and gold card. Applicants can choose to apply according to their own consumption needs and repayment ability. As a car owner credit card specially designed by Guangfa Bank for private car owners, cardholders can enjoy 100 kilometers of free roadside assistance services across the country, 5 times the points or 1% cash back discount when swiping the card for refueling. New customers who sign up for the card before the end of 2017 will be repaid. You can enjoy an additional 2% refueling fee.

4. China Merchants Bank Auto Card

With the China Merchants Bank Auto Card, you can get 3% cash back when you refuel at designated gas stations of PetroChina or Sinopec. If you refuel on Friday, this discount can be Raised to 5%. In addition, the annual fee reduction standard for this card is relatively loose. As long as the number of purchases reaches 6 times, the annual fee is not required. As long as the car owner remembers to use the China Merchants Bank Auto Card to refuel, he can easily save 300 yuan.

5. Minsheng Bank Car Card

There are two types of Minsheng Bank Car Card: Gold Card and Platinum Card. Anyone who meets the conditions for swiping the card will have the opportunity to get fuel money. If you swipe the card every month, you will get refueling money every month. Yue De. Refueling rebates at gas stations across the country, up to 500 yuan per month. There are also 1 yuan car wash, 1 yuan parking, 15% car insurance, 24-hour roadside assistance and other services.

Can I use a credit card to refuel at a gas station?

As technology develops and times advance, our lifestyles also change. Car refueling is a good example of this. In the past, you could only refuel with cash, but now you can pay with WeChat or Alipay, and the payment methods have become diverse. Some car owners have asked, can I use a credit card to refuel at a gas station? Let’s take a look below.

There are many gas stations with POS machines for swiping credit cards. Credit cards can be swiped at these gas stations. In addition, some credit card refueling offers some discounts. However, some gas stations do not allow credit cards to be used to refuel. This is because merchants need to pay a handling fee to use credit cards. Generally, the handling fee is around 0.6%, and there is no cap. The more the credit card is used, the more handling fees the gas station will pay. If you refill gas at a gas station for 300 yuan and swipe your credit card, you need to pay a handling fee of 1.8 yuan. It may not seem like much, but when the traffic is large, it will be a bit overwhelming.

Besides swiping a credit card to refuel at a gas station, the most convenient way is to use a gas card. The fuel cards of many gas stations have been connected to the national network, allowing one card to be used universally. Using a gas card to refuel is not only convenient, but also offers some discounts. Some gas stations have fuel cards that can earn points when you refuel, and the points can be exchanged for gifts, and there are other discounts, which are still very cost-effective.

Can I refuel with a credit card? How do I refuel with a credit card?

I believe that many of my friends have credit cards and often use credit cards to make purchases in their daily lives. For car owners, the most frequent place is the gas station. Going there every now and then to refuel has become a daily consumption item. However, a friend asked me, I have the habit of swiping my credit card for consumption, and I want to know if this credit card can be used to refuel?

It can be said that in a large number of gas stations, you can use credit cards to refuel. As long as there is a POS in the gas station, it is acceptable. In addition, some credit cards also offer gas discounts, such as: 12% off on gas at Ping An Bank, rebates on gas at Bank of Communications, 15 off on purchases over 200 at Agricultural Bank of China, 5 times points or 1% cash back when swiping a card at China Guangfa Bank, etc. It can be said that the discounts are quite good. of.

In this regard, many car owners also want to use credit cards to refuel, but they also want to know how to refuel with credit cards. In fact, paying for gas with a credit card is the same as ordinary card consumption. When the car is filled with gas and payment is made, just give the credit card to the cashier, swipe the card at the POS machine and sign. Car refueling is indeed a big expense. For a credit card with such a refueling discount, it can be said to be a benefit.

How to use Guangfa Credit Card to refuel the car

When refueling, just swipe the Guangfa Credit Card directly. When refueling at a gas station, you can enjoy relevant discounts by swiping your GF car owner card.

1. Guangfa’s car owner credit card

Cash rebates on gas can be the trump card activity of this credit card, and the cash rebates on gas are very high. New Elite Platinum Card users can enjoy up to 15% gas rebate! How to do it. New users who choose the "6% gas rebate" or "5 times gas points" benefits when opening the card can enjoy the cash rebate discount by binding the official WeChat account of Guangfa Credit Card with a single purchase of more than 99 yuan, with a maximum cumulative cash rebate of 900 yuan. ! (The refund amount will be given to the customer's card in the form of repayment-free spending in the next month at the earliest, and the upper limit of cashback is 50 yuan/month) Comparing the gas cashback rules of other banks' car owner cards, the cashback amount of Guangfa Car Owner's Credit Card It's quite friendly.

2. The exclusive benefits of Guangfa Car Owner Credit Card go far beyond this, and it is also very suitable for friends who often travel on business. The benefits of Guangfa car owners' credit cards are divided into three categories, including up to 6% rebate on gas consumption, 5 times the points on gas, and a 20% discount on highway tolls tied to the card. Friends who often need to travel can choose "20% off on highway tolls" rights and interests. When customers spend up to RMB 1,000 in points in the current month, they can get 20% of the monthly high-speed fee as cash rebate in the next month, which can be refunded in the form of a repayment-free transaction, with a maximum monthly rebate of RMB 50. In addition, as long as you sign up for the card, you will receive free 100 kilometers of road rescue service in the first year, free high-value accident insurance (driver accident insurance/travel vehicle accident insurance, choose 1 from 2), double blessing of rescue services and insurance, and many aspects Protect car owners’ travel safety!

3. GF is also very considerate and launches a monthly promotion of 50% off for every 500 or more refueling. Any GF credit card holder who spends a total of 500 yuan on gas using the GF card every month can receive a gas coupon worth 50 yuan, which can be used when refueling online on the Discover Wonderful APP. (A single user can only enjoy one discount per month).

Which credit cards offer gas discounts

The credit cards with gas discounts include the following: Minsheng Bank Car Owner Card Gold Card and Platinum Card gas rebates; Guangfa Tuhu Car Ownership Co-branded Card for monthly gas refueling Cash back; ICBC Auto Plus Card gets cash back when you refuel at China Petroleum gas stations every Sunday; Great Wall Global Auto Credit Card gets cash back when you refuel; Ping An Car Owner Card gets 12% off on refueling, etc.

Each bank has promotions for refueling. Credit cards other than car owner’s cards will also provide refueling discounts, cash rebates and other discounts.

Origin of credit card products:

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife to bring cash. McNamara came up with the idea of ??starting a credit card company because he felt embarrassed about paying the bill at a restaurant. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.

In 1952, Franklin National Bank in California, USA, was the first financial institution to issue a bank credit card, becoming the first bank to issue a credit card.

In 1959, Bank of America issued the Bank of America card in California. Since then, many banks have joined the ranks of card-issuing banks. By the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards became popular not only in the United States, but also in the United Kingdom, Japan, Canada and European countries. Since the 1970s, Hong Kong, Taiwan, Singapore, Malaysia and other regions have also begun to handle credit card services.

In the 1960s, credit cards sprouted and developed rapidly in developed European and American countries such as the United States, Canada, and the United Kingdom. After more than 50 years of development, credit cards have been widely accepted in more than 95% of countries around the world. In the 1980s, with the reform and opening up and the development of the market economy, credit cards began to enter China as an electronic and modern consumer financial payment tool. In the past ten years, they have developed by leaps and bounds.

After experiencing the financial crisis and the ups and downs of the domestic economy, my country's credit card market rebounded in 2016. By the end of 2016, the total number of domestic credit cards issued had exceeded 590 million. In 2016, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 10.75%, and the proportion of credit card consumption in the total retail sales of consumer goods continues to increase. [6-7]

According to the "2013-2017 China Credit Card Industry In-depth Research and Investment Strategic Planning Analysis Report", since 2010, in order to restrain the rapid rise in asset prices and control inflation, the Chinese government has implemented It has implemented a sound monetary policy and adopted a series of moderate tightening measures, indicating that macro-prudential and strengthened capital supervision have become the core of China's banking industry supervision. Various tightening money supply operations and capital constraint policies have an impact on the liquidity levels and capital constraints of China's commercial banks. The pace and structure of credit disbursement have had far-reaching consequences. The analysis believes that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payments; credit penetration has deepened; and the installment business has developed in depth.

In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.

China’s credit card market is still one of the fastest-growing product lines in China’s personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and growth in consumer spending, China’s credit card market will continue to grow in the next 10 years. The average annual growth rate of credit card issuance will remain at around 14%, and profitability will also tend to improve;

According to a report released by the People’s Payment and Settlement Department of the People’s Republic of China, as of the third quarter of 2021, credit card and lending contracts will There were 798 million cards, a month-on-month increase of 0.97%, and the per capita number of credit cards and debit cards combined was 0.57. [19]

Which credit card offers the best gas discounts?

Minsheng Bank’s credit card has the best price.

The specific bank credit card refueling discounts are as follows:

1. China Merchants Bank Car Owner Card: Refueling at designated gas stations, generally 3% of the refueling fee is subsidized, and 5% is subsidized on Fridays, with a monthly maximum Subsidy is 30 yuan.

2. Ping An Car Owner Card: Up to 12% discount, monthly subsidy of 80 yuan.

3. Minsheng Car Owner Card: monthly consumption of 1,500 yuan, 5% fuel subsidy, upper limit of 50 yuan.

4. Agricultural Bank of China Anbang Car Owner Card: If you purchase phone car insurance, you can get a 6% refueling subsidy after meeting the conditions, up to 12% of the car insurance premium.

5. ICBC Peony Zhongyao Card: Use the card to purchase Anbang car insurance, and qualified designated gas stations can enjoy a 3% refueling subsidy, with the cumulative limit not exceeding 10% of the car insurance premium.

6. CGB car owner card: 5 times points or 1% cash back, up to 300 yuan.

7. Bank of China Great Wall Motor Card: If you earn 1,000 points in monthly transactions, you can spend 1,000 yuan in gas on Friday, Saturday, and Sunday of the month, with no upper limit.

In this way, people’s livelihood is the one who can enjoy the highest discount, with a maximum of 500 yuan a month. Guangfa Car Owner Card follows closely behind, with a maximum of 300 yuan. Others are all under 100 yuan, mostly between 30-50 yuan.

[Extended information]

1. China Merchants Bank Auto Card

Car owners can enjoy a 30% discount. They can only recharge 1,000 yuan per month, and they can enjoy discounts for the excess. The preferential location is Sinopec gas station.

2. Guangfa Car Owner Card

No venue restrictions, time restrictions, wide application range, 1% cash rebate.

3. ICBC China Petroleum Co-branded Card

Only when you refuel at a China Petroleum station can you enjoy a 10% discount; for specific preferential policies, please refer to the official instructions of ICBC.

4. Bank of Communications Peony Card

Limited locations, 50% off. Meanwhile, Friday is a long discount. Cardholders can refuel at cooperative gas stations on Friday and enjoy a 5% cash rebate, which is a relatively large discount.

5. China Construction Bank Car Card

Free car washing every week, points exchanged for gasoline, car insurance installments, free rescue, and discounted car rentals. 50,000 points, based on the integral multiple of 10,000 points, the part below 50,000 points can be exchanged for refueling fees according to the standard (2‰).

6. CITIC Bank JEEP Celebrity Co-branded Card

3 hours of free maintenance for car purchases, and free JEEP gifts (choose one of three car key USB flash drives, seat cushions, and mobile phone holders) by swiping the card within 30 days. 100 cards per month can be exchanged for gas cards.

This concludes the introduction to car gas credit cards and car gas credit cards. Have you found the information you need?