The advantages and disadvantages of Ping An Platinum Credit Card are as follows:

1. Benefits: Ping An Platinum Credit Card provides a series of protection measures, including comprehensive traffic accident insurance, travel comprehensive accident insurance, domestic/ Emergency assistance, etc. Users who hold Ping An Platinum Credit Card can enjoy privileges such as high overdraft limit, 72-hour card loss protection, multiple birthday points, and 24-hour platinum service.

2. Disadvantages: Higher annual fee: Compared with other credit cards, the annual fee of Ping An Platinum Credit Card is higher, which will cause a burden to some users. Users who want to cancel Ping An Platinum Credit Card have to go through a relatively complicated procedure.