Recently, the reporter learned about the automobile consumption credit card business of China prime Bank. The functions of these cards involve gasoline discount, automobile insurance discount, road rescue and vehicle maintenance. But for car owners, how to choose these dazzling "cards"?
Function 1: Refueling discount
Longka Automobile Card of China Construction Bank: No.97 gasoline that can be exchanged for 1L per 1000 points consumed at Sinopec gas station.
China Merchants Bank CARCARCARD: You can enjoy a discount of 1% when you refuel at the designated gas station of PetroChina.
CGB owner's card: You can get 5 times points increment or 1% cash return when you refuel at the gas station designated by CGB.
ICBC Peony Credit Card: You can enjoy the discount of 1% when you swipe your card on ICBC POS machine at PetroChina gas station.
007 recommendation: build a dragon car card.
Although the refueling concessions of the four credit cards are almost the same, considering that most of the gas stations in Shanghai are Sinopec, China Merchants, Guangfa and ICBC, the concessions provided to PetroChina users are a bit "heroes are useless".
Function 2: Open the card and send the insurance.
China Construction Bank Longka Car Card: You can enjoy a 30% discount when you buy car insurance from Pacific Insurance Company, Ping An Insurance Company and China United Company, and you can get a gift package with the value of 100-300 yuan and accident insurance for car owners.
China Merchants Bank "CARCARCARD" credit card: In the first year of card opening, you can get a free self-driving accident insurance with the insured amount of 65,438+10,000 yuan.
Guangfa Owner Card: You can enjoy a 30% discount when you buy auto insurance from Ping An Property Insurance Company, and get free aviation accident insurance and driver accident insurance worth 2 million yuan and driver accident insurance worth 6.5438+0.5 million yuan.
007 recommendation: Guangfa Owner Card
At present, in the auto insurance market, 30% discount on premium is a relatively mainstream preferential margin. The attractiveness of the owner's credit card to insurance is not obvious, so the preferential measures of giving away 2 million yuan accident insurance introduced by Guangfa owner's card are more affordable.
Function 3: Road rescue
China Construction Bank Longka Automobile Card: Power refueling, tire changing, oil delivery (3 liters/time) and trailer service three times a year. Service areas include Shanghai, Jiangsu, Zhejiang, Jiangxi, Anhui and other provinces. In addition, if you get lost in driving, just tell the general location and driving destination, and a message will be sent out within ten minutes to guide the correct driving route.
China Merchants Bank "CARCARCARD" credit card: provide unlimited tire changing, charging, water filling and machine repair within 25 minutes throughout the year; Free towing within 30 kilometers 1 throughout the year.
Guangfa owner card: if you spend an unlimited amount once in the credit reporting industry within three months after issuing the card, you can enjoy unlimited tire replacement, charging, water addition and machine repair within 30 minutes throughout the year; Free towing service within unlimited times 100 km throughout the year; Free oil delivery service is provided three times a year (10L/ time).
ICBC Peony Credit Card: Enjoy the national road rescue service provided by Beijing Zhonglian Chemeng Network Technology Service Co., Ltd.
007 recommendation: Guangfa Owner Card
In terms of road rescue, the competitive advantage of Guangfa Owner Card is indeed outstanding. I envy you the unlimited free trailer within 100 km all year round. But if your car is properly maintained and in good condition, then road rescue is really useless to you.
Function 4: Free car wash and maintenance
CCB Longka Car Card: Free car wash once a week throughout the year, and 20% discount on working hours of Shanghai Chimei Automobile Service Station.
"CARCARCard" Credit Card of China Merchants Bank: CARCard exclusive coupon book was launched, with which you can enjoy "5 yuan Car Wash" in designated car service merchants. And enjoy preferential activities including car beauty, maintenance, car rental and other services.
007 recommendation: CCB Longka automobile card
The weekly free car wash service provided by CCB Dragon Truck Card is very affordable. It is understood that CCB's designated car wash outlets in Shanghai include 9 1 service stations such as Volkswagen Service Station, Anji Jiefeiluo and New Focus, covering the whole city. You can save 500 yuan every year by washing your car for free once.