Which credit card is better for car owners to know after careful comparison

Although our country is not yet a big car country, it can be said that small cars have entered thousands of households and become the first choice for people to travel. Necessary transportation. Many credit card users are also car lovers, and various banks also offer various credit cards related to car services. So which credit card is better for car owners? Today I’m going to take stock of the features of various types of credit cards for car owners.

The main credit cards for car owners currently on the market include the following:

1. China Petroleum Card of Industrial and Commercial Bank of China. Car owners need to purchase third-party liability insurance provided by Anbang Insurance to apply for a China Petroleum Card. Its cooperative merchants are China Petroleum gas stations, which can enjoy a 3% refueling subsidy;

2. China Construction Bank’s Longka Auto Credit Card. The car dragon card credit card issued by China Construction Bank is more difficult to apply for, and the discounts for car owners are not so attractive. The owner of this card can enjoy the car wash service of 15 yuan each time from the cooperative car service provider, and the payment is based on quarterly settlement. However, if the consumption in this quarter is less than 6 transactions or 2,000 yuan, he cannot continue to enjoy it. The card's annual fee of 200 yuan/year is not cheap, but its card points can be exchanged for gasoline;

3. China Merchants Bank Auto Card. China Merchants Bank Auto Card can get 3% cash back when refueling at designated gas stations of PetroChina or Sinopec, and on Friday, this discount will be increased to 5%. At the same time, as long as the card is swiped 6 times a year, the annual fee for the whole year can be waived;

4. Bank of Communications Car Owner Credit Card. The Bank of Communications Car Owners Credit Card will offer a 5% discount every Friday for car owners to refuel, and the discount every Friday will not exceed 25 yuan, and the monthly discount will not exceed 100 yuan. At the same time, most of the partners are PetroChina. Main;

5. Industrial Bank Rider Credit Card. If you swipe this credit card 5 times, the annual fee will be waived. At the same time, you can also enjoy unlimited nationwide 100km free towing service, 30-minute quick repair service, and 3-liter free oil delivery service;

6. Guangfa Bank Car Owner Card. As long as you swipe 6 times, the annual fee will be waived. At the same time, card owners can also enjoy free roadside assistance within 100km, as well as 30-minute on-site quick repair service. In addition, they can also enjoy 3 free oil rescue services per year, with an oil volume of 10 liters, and you can also get 1% cash back at partner gas stations.

7. Ping An i-Car Credit Card. When refueling at cooperative gas stations, you can enjoy a 2% discount, free roadside assistance within 100km, and an aviation accident insurance with an insurance amount of 2 million.

Which bank’s credit card is the most cost-effective to buy a car

Hello, hello, if you are buying a first-hand car, it is recommended that you contact the car dealer, who will have various cooperative banks.

The following is a detailed analysis of car cards

1. Industrial and Commercial Bank of China

Card name: PetroChina Card

The credit card launched by Industrial and Commercial Bank of China related to car owners is called Industrial and Commercial Bank of China PetroChina Card. Its cooperative merchant is PetroChina, and ICBC PetroChina Card is used. Card owners can enjoy a 3% refueling subsidy at designated PetroChina gas stations, but the premise is that the owner needs to purchase third-party liability insurance provided by Anbang Insurance exceeding RMB 100,000.

ICBC China Petroleum Card can get discounts when refueling

Prior to this, the 1% refueling subsidy provided by China Petroleum Card was still pending in 2013, so it is likely that this year Offer will be cancelled. However, the discount of annual fee exemption for swiping this card 5 times will be retained.

2. China Construction Bank

Card Name: Auto Card Long Card Credit Card

China Construction Bank’s credit card is one of the more difficult card types to apply for, mainly because its approval procedures are very strict and slightly Defects will be rejected.

You can enjoy low-price car washes with China Construction Bank

At the same time, the car dragon card credit card issued by China Construction Bank also seems a bit shabby compared with the discounts for card owners in terms of car use. Card owners can enjoy the car wash service of 15 yuan each time from the cooperative car service provider, and it is settled quarterly. If the consumption in this quarter is less than 6 transactions or 2,000 yuan, they cannot continue to enjoy it. The annual fee for the Car Dragon Card credit card is 200 yuan per year, which is not cheap. However, the card points can be exchanged for gasoline. The standard is that every 250 points can be exchanged for 1 yuan of gasoline.

3. China Merchants Bank

Card name: China Merchants Bank Auto Card

China Merchants Bank has always been known for its good service and convenient application, and the entry-level card of China Merchants Bank in terms of credit cards is not high. And what kind of discounts are there for car owners with the China Merchants Bank car card?

China Merchants Bank offers great discounts when refueling

According to official information, China Merchants Bank car cards can get 3% cash back when refueling at designated gas stations of PetroChina or Sinopec. Five, this discount will be increased to 5%. At the same time, as long as you swipe the card 6 times a year, you can waive the annual fee for the whole year, which is quite cost-effective.

4. Bank of Communications

Card name: Bank of Communications Car Owners Credit Card

Although Bank of Communications does not have many business outlets, its reputation is pretty good, and its credit card will naturally be favored by many friends. focus on.

The Bank of Communications Car Owners Card has a discount on refueling every Friday

Currently, the Bank of Communications Car Owners Credit Card will give car owners a 5% discount on refueling, but this is only available every Friday. Moreover, the maximum discount offered every Friday will not exceed 25 yuan, and the monthly discount will not exceed 100 yuan. At the same time, most of the partners are mainly PetroChina.

Card name: Bank of Communications Yongda Auto Credit Card

In addition, Bank of Communications and Shanghai Yongda Automobile Dealer launched a cooperative card called Bank of Communications Yongda Credit Card.

BoCom Yongda Auto Credit Card is more focused on Shanghai users

This credit card can enjoy free car wash services at all Yongda stores across the country, and can also enjoy free towing once a year service, but this is limited to Shanghai area.

5． Industrial Bank

Card name: Cheyou Credit Card

The car credit card launched by Industrial Bank is called Cheyou Credit Card. If you swipe this credit card 5 times, the annual fee will be waived.

Industrial Bank’s rescue services are in place

At the same time, you can also enjoy unlimited nationwide 100km free towing service, 30-minute quick repair service, and 3-liter free oil delivery service.

6． Guangfa Bank

Card name: Guangfa Car Owner Card

The car owner card of Guangfa Bank is not very popular among car owners, but its discounts are quite rich. After 6 times, the annual fee will be waived. At the same time, card owners can also enjoy free roadside assistance within 100km, as well as 30-minute on-site quick repair service. In addition, they can also enjoy free fuel delivery and rescue services 3 times a year, with a fuel volume of 10 liters. , and you can also get 1% cash back at partner gas stations.

Guangfa Bank’s rescue services are also attentive

Of course, the premise of these discounts is that the card owner needs to spend more than 10,000 yuan per year, otherwise he will not be able to enjoy this service in the second year .

7. Ping An Bank

Card name: Ping An i-Car Credit Card

As an emerging banking service provider, Ping An Bank is currently unable to compete with other banks in terms of the number of branches and stores. However, it Dao also has its own car owner's card, called iCar Credit Card.

With the Ping An i-Car Credit Card, you can enjoy a 2% discount when refueling at cooperative gas stations, as well as free roadside assistance within 100km, and you can also have an aviation accident insurance with a coverage of 2 million . However, the approval of Ping An i-Car Credit Card will be very troublesome for non-Ping An Auto insurance users, and the possibility of rejection is extremely high, which seems a bit unreasonable.

Card name: Ping An Car Owner Card

In addition to the i-car credit card, Ping An Bank also has a Ping An Car Owner Card. The annual fee of this credit card is 200 yuan, and you can enjoy 2 % discount, and you can also enjoy insurance worth 680 yuan for other passengers on the vehicle, as well as free towing service for 30km.

The Ping An Car Owner Card can enjoy 680 yuan of accident insurance

However, I would like to remind you that the towing services of general insurance companies have regional restrictions, so you can apply for this service simply. Car owners who receive such credit cards are advised to consult carefully before making a decision.

We have summarized some car credit card discounts above. I believe everyone has a certain understanding of the car credit card discounts of various banks.

For car owners who refuel frequently on weekdays, choosing a China Merchants Bank car card with a larger refueling discount can indeed help you save a lot of money.

For owners of older cars, it is a more practical choice to choose the Guangfa Car Owner Card, which offers refueling discounts, 100km road assistance and quick repair services.

What details should you pay attention to when applying for a car credit card?

After talking about which credit card is more affordable, let’s talk about some details that need to be paid attention to in car credit cards. In fact, many of these details need to be paid attention to not only in car credit cards, but also in ordinary credit cards.

1. Access conditions for applying for a car credit card

Among the conditions for applying for a car credit card, the most important one is that the card owner needs to have a car in his name, and the credit limit will also vary based on the car model and the results of the background check of the car owner. the difference.

In addition, generally this type of credit card will have the car owner’s license plate number engraved on the card to show that this type of credit card product is specially designed for car owners. However, car owners are also required to treat the card with care and try not to lose it. To avoid excessive information leakage.

2. About repayment

Many friends will ignore the repayment date after applying for a credit card, but don’t underestimate this detail. If the repayment date is not precise enough, it can easily lead to frequent overdue repayments. As a result, cardholders will pay a lot more interest for no reason.

In addition, many people are willing to bind credit cards and debit cards. Although this can reduce the number of trips to the bank, it is easy to have "confused accounts". It is best for everyone to make two more trips to the bank to compare. good.

3. About billing

The sending of bills is also a detail that many friends tend to overlook. Nowadays, many banks often use SMS billing in order to save money. Although this is beneficial to the environment, it is easy to send SMS bills to banks. Text messages are considered spam and blocked. If the card owner is used to receiving bills via text messages, we recommend that you lower the blocking level of text messages to avoid missing bills.

However, we here still recommend that you choose to get the bill by mail, so that we can not only know the monthly repayment amount, but also see the consumption details to avoid wrong accounts.

4． About information confidentiality

The issue of personal information confidentiality has always been a headache for many people. Because the country's laws are not sound enough, the security of personal information cannot be fully guaranteed.

However, we recommend that cardholders make certain markings on their ID documents when applying, such as "Only for XXX to handle XXX matters" and other words. Although the validity of this is not guaranteed, This is a comfort to everyone.

Finally, I would like to remind everyone that although credit cards allow us to travel without having to carry too much cash, when swiping cards, it is more practical without cash. It seems that it is very easy for cardholders to have unforeseen circumstances, resulting in excessive credit card swiping. Therefore, it is best for everyone to have a rough estimate in mind when swiping their cards to avoid excessive overdrafts.

How about the Industrial Bank Cheyou Credit Card?

The Industrial Bank Cheyou Credit Card is a MasterCard RMB/USD dual-currency credit card, which is divided into two types: premium card and elite card. The card is valid for five years. The issuing cities are only Shenzhen, Guangzhou, Xiamen, Jinan, and Zhengzhou. The annual fee for the Industrial Bank Rider Credit Card is 100 yuan. The first-year annual fee is waived. The annual fee for the next year is waived by swiping the card 5 times. The interest-free period is up to 50 days. The credit limit is 100 yuan. 1,000-10,000, and the cash withdrawal limit is 50% of the credit limit.

What special features does the Industrial Bank Cheyou Card have?

The Industrial Bank Cheyou Card will be provided to private car owners. Yuan/liter fuel subsidy, car insurance discounts, airport VIP privileges, 2 million aviation accident insurance, first-year annual fee exemption and other value-added services.

Maximum Yuan/liter fuel subsidy. Premium card and elite. Card customers who purchase our bank's designated insurance products and successfully debit insurance premiums of RMB 2,000 or more through the Industrial Bank Automobile Friendly Credit Card can enjoy fuel points subsidy discounts.

Maximum car insurance Discounts. Industrial Bank cooperates with designated insurance companies to provide holders of the main card of Industrial Bank Cheyou Credit Card with the largest car insurance discount permitted by laws and regulations, which is 30% off (excluding compulsory traffic insurance), and can enjoy the benefits of some designated insurance companies. VIP service.

Exclusive airport VIP privileges. Cardholders can enjoy “airport VIP services” at 16 airports in 15 central cities.

2 million. Aviation accident insurance protection.

You only need to use the Industrial Bank Rider Credit Card in your name to pay the full ticket price (referring to the face value) or pay more than 80% of the tour fee (inclusive), and you will receive a free aviation accident insurance. The amount is 2 million yuan, making your travel safe and worry-free.

Points can be used to pay for fuel. You can swipe your card at the dedicated POS machine at the designated gas station of Industrial Bank and use the points in the Industrial Bank Rider Credit Card to pay for the gas price. Can every 400 points be used? 1 yuan consumption amount. You can also use credit card points to spend points at designated merchants, or exchange points for gifts such as Sinopec fuel cards, and flight mileage on Industrial Bank-designated airlines.

Exclusive discounts for automobile merchants. You can enjoy consumption discounts at the automobile service merchants designated by Industrial Bank. In addition, users can also enjoy priority financial management services and regional rights for VIP customers at branches.

What is the Industrial Bank Credit Card GOLD Card?

The Industrial Bank Platinum Card is the first domestically launched Industrial Bank with “specialized VIP services” to “focus on VIP services to seize the high-end market”. ”-themed platinum credit card.

After the successful issuance of the standard platinum credit card, the You series platinum credit card launched by Industrial Bank this time provides more attractive products to meet the needs of high-end groups in different fields such as business travel, medical care, and health. Distinguished rights.

Extended information:

Industrial Bank credit card types:

1. Platinum card series

UnionPay RMB Platinum Credit Card·VISA Standard Dual Currency Platinum Credit Card · MasterCard Standard Dual Currency Platinum Credit Card · Youyi Business Travel Platinum Credit Card · Youyue Health Platinum Credit Card · Youyang Golf Platinum Credit Card · GOLF MasterCard Platinum Credit Card · GOLF UnionPay Platinum Credit Card · Bank Card MasterCard Dual Currency Platinum Credit Card · Bank Card UnionPay RMB Platinum Credit Card

2. Standard Card Series

UnionPay Standard RMB Credit Card·VISA Standard Dual Currency Credit Card·MasterCard Standard Dual Currency Credit Card

3. Theme Card Series

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Chinese Heart Credit Card·Garfield Credit Card·QQ Show Credit Card·Car Friends Credit Card·Starry Night·Constellation Credit Card·The 60th Anniversary Theme Credit Card·QQVIP Credit Card

4. Co-branded Card Series

< p>Metropolitan Beauty Credit Card·Beijing Hong Kong Jockey Club Club Membership Card·Mango Travel Credit Card·Classic Car Co-branded Credit Card·Eastern Airlines Co-branded Credit Card·Taobao Co-branded Credit Card

5. Department Store Card Series

< p>Wuhan Zhuangsheng Sogo Department Store Credit Card·Tinhong Co-branded Credit Card·Tianjin Friendship Co-branded Credit Card·Ocean Department Store Co-branded Credit Card·Daning International Co-branded Credit Card·Minsheng Department Store Co-branded Credit Card·Ginza Co-branded Credit Card·Xidan Shopping Mall Co-branded Credit Card·Yitian Holiday Co-branded Credit Card·Hongbo Co-branded credit card·Nanzhong Plaza co-branded credit card·Maoye Department Store co-branded credit card

6. Approval Card Series

Guangzhou Education Foundation Approval Card·Foshan Education Metropolitan Area Network Card

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7. Business Card Series

Visa Standard Business Card·MasterCard Personal Business Card

Baidu Encyclopedia-Industrial Bank Platinum Card

Baidu Encyclopedia- Industrial Bank Credit Card

Can the Haoxiang Loan, which is exclusive to car owners with Bank of Communications Credit Card, only be used at places that sell cars? Have you ever used it? Can you please help?

Yes, Haoxiangdai, which is exclusive to car owners with Bank of Communications credit cards, can be used for personal car purchases at designated automobile merchants (see the Bank of Communications website for details).

For personal car purchase and corresponding consumption at designated automobile merchants (see the Bank of Communications website for details), if the single consumption reaches ￥30,000.00, the Haoxiang loan limit will be used as agreed and 36 installments will be automatically processed. The monthly handling fee is 0.39%. And keep relevant vouchers or invoices for inspection. If the payment is not used according to regulations, Bank of Communications has the right to cancel the installment and require full repayment of the remaining installment amount.

This is the end of the introduction to car friends’ credit cards and transportation credit cards. Have you found the information you need?