Ping An Bank’s car owner credit card does have an annual fee, which is 200 yuan per year. However, for cardholders, there is a simple annual fee reduction method: as long as the total accumulated consumption in one year reaches RMB 30,000, the annual fee for the following year or the current year can be waived. This threshold is relatively low, and it is not difficult for active credit card users to easily reach the threshold through daily consumption.

It is worth mentioning that the Ping An Car Owner Card is specially designed for private car owners and has unique preferential policies. If you refuel at designated gas stations and spend more than 2,000 yuan on your credit card in the same month, you can enjoy a 1.2% discount on refueling costs in the next month, which is a great benefit for car owners who often refuel. In addition, as a credit card product of Ping An Bank, it inherits the advanced protection system of Ping An Credit Card, including "full protection of consumption losses 72 hours before reporting loss", which provides additional protection for cardholders' financial security.

Ping An Bank’s Car Owners Credit Card not only provides basic financial functions, but also provides more comprehensive services based on the needs of car owners. For example, it supports insurance claims and on-site rescue, which fully reflects the bank's exclusive care for private car owners. As the number of private cars increases, banks have begun to provide personalized financial services to this group. The Ping An Car Owners Credit Card is a reflection of this trend.