Although China is not a big automobile country, automobiles have entered thousands of households and become a necessary means of transportation for people to travel. Many credit card holders are also riders, and banks have also bought various credit cards related to car services. So which is the owner's credit card? Today we will take a look at the characteristics of various car owners' credit cards.
At present, there are the following types of owners' credit cards circulating in the market:
1, PetroChina Card of China Industrial and Commercial Bank. Car owners need to buy the third liability insurance provided by Anbang Insurance before they can apply for the PetroChina card. Its cooperative merchants can enjoy a 3% refueling subsidy from CNPC gas station;
2. China Construction Bank's Longka Automobile Credit Card. It is more difficult to apply for the car card issued by CCB, and it is not so attractive compared with the preferential treatment for the card owner. Kaka owners can enjoy the car wash service of the cooperative car service provider every time 15 yuan, and settle the accounts on a quarterly basis. However, if the consumption in this quarter is less than RMB6,2000, they cannot continue to enjoy it. The annual fee for this card in 200 yuan is not cheap, but its credit card points can be converted into gasoline;
3. China Merchants Bank Car Card. China Merchants Bank's car card can get 3% cash back when it refuels at the designated gas station of PetroChina or Sinopec, and this discount will be raised to 5% this Friday. At the same time, as long as you swipe your card 6 times a year, you can avoid the annual fee;
4. Bank of Communications owner's credit card. The credit card of the owner of Bank of Communications will give the owner a 15% discount every Friday, and the maximum 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 mainly PetroChina;
5. Cheyou Credit Card of Industrial Bank. This credit card is free of annual fee if you swipe it five times. At the same time, you can also enjoy the national 100km unlimited free trailer service, 30-minute quick repair service and 3 liters free oil delivery service;
6. Owner's card of Guangfa Bank. As long as you brush it 6 times, you can get rid of the annual fee. At the same time, the card owner can also enjoy free road rescue and 30-minute on-site quick repair service within 100km. In addition, he can also enjoy free oil delivery and rescue service three times a year, and the oil volume is 10 liter, and he can also get 1% cash back at the cooperative gas station.
7. Ping An Auto Credit Card. When you refuel at a cooperative gas station, you can enjoy a 20% discount, free road rescue within 100km, and an aviation accident insurance with a coverage of 2 million.
Which bank's credit card is the most cost-effective way to buy a car
Hello, hello, if you are buying a first-hand car, I suggest you contact the car dealer, who will have the interest rates of various cooperative banks.
The following is a concrete analysis of the car card.
1. Industrial and Commercial Bank of China
Card Name: China Petroleum Card
The credit card related to car owners launched by China Industrial and Commercial Bank is called China Petroleum Card of China Industrial and Commercial Bank, and the partner is China Petroleum. Owners who use ICBC's PetroChina card can enjoy a 3% refueling subsidy at the designated PetroChina gas station, but only if they need to purchase the third-party liability insurance provided by Anbang Insurance for more than 6,543,800 yuan.
ICBC can get a discount if it refuels.
Prior to this, the 1% fuel subsidy provided by PetroChina was still pending in 20 13 years, so it is likely to cancel this concession in 20 13 years. However, the annual fee-free discount for swiping this card for 5 times will be retained.
2. China Construction Bank
Card Name: Automobile Ka Rong Card Credit Card
CCB's credit card is one of the more difficult types to apply for, mainly because its approval procedures are very strict, and it will be rejected if it is slightly flawed.
CCB can enjoy low-cost car washing.
At the same time, the car card issued by CCB is a bit shabby compared with the owner's discount. Card owners can enjoy the car wash service of the cooperative car service provider every time 15 yuan, and settle accounts on a quarterly basis. If he spends less than 6,000 yuan or 2,000 yuan this quarter, he can't continue to enjoy it. The annual car card fee is 200 yuan/year, which is not cheap, but its credit card points can be exchanged for gasoline. The standard is to exchange 1 yuan gasoline every 250 minutes.
3. China Merchants Bank
Card Name: China Merchants Bank Automobile Card
China Merchants Bank has always been known for its good service and convenient application. However, China Merchants Bank's credit card entry card is not high. What discount can be given to the owner's China Merchants Bank card?
China Merchants Bank has a great discount on refueling.
According to official information, China Merchants Bank's car card can get 3% cash back when it refuels at the designated gas station of PetroChina or Sinopec, and this discount will be raised to 9.5% this Friday. At the same time, as long as you swipe your card six times a year, you can avoid the annual fee for the whole year, which is quite cost-effective.
4. Bank of Communications
Card Name: Bank of Communications Owner Credit Card
Although there are not many business outlets of Bank of Communications, it has a good reputation, and credit cards will naturally attract the attention of many friends.
There is a discount for the owner card of Bank of Communications to refuel every Friday.
At present, the owner's credit card of Bank of Communications will provide a 15% discount for car owners to refuel, but this is limited to every Friday, and the maximum discount every Friday is not more than 25 yuan, and the monthly discount is not more than 100 yuan. At the same time, most of the partners are PetroChina.
Card Name: Bank of Communications Yongda Automobile Credit Card
In addition, Bank of Communications and Shanghai Yongda automobile dealers launched a cooperation card called Bank of Communications Yongda Credit Card.
Bank of Communications Yongda Auto Credit Card focuses more on Shanghai users.
This credit card can enjoy free car wash service in all Yongda stores in China, and also enjoy free trailer service once a year, but this is limited to Shanghai.
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 five times, you can get rid of the annual fee.
Industrial Bank rescue service in place.
At the same time, you can also enjoy the national 100km unlimited free trailer service, 30-minute quick repair service and 3-liter free oil delivery service.
6. Guangfa Bank
Card Name: Guangfa Owner Card
The owner card of Guangfa Bank is not very popular for the majority of car owners, but the benefits are still quite rich. As long as you swipe your card six times, you can get rid of the annual fee. At the same time, the card owner can also enjoy free road rescue and 30-minute on-site quick repair service within 100km. In addition, he can also enjoy the free oil delivery service three times a year, and the oil volume is 10 liter, and he can also get 10 liter at the cooperative gas station.
The rescue service of Guangfa Bank is equally careful.
Of course, the premise of these concessions is that the card owner needs to spend more than 6.5438+0 million yuan every year, otherwise he will not be able to enjoy this service in the second year.
7. Ping An Bank
Card Name: Ping An Auto Credit Card
As a new banking service provider, Ping An Bank can't compete with other banks in the number of outlets and stores, but it also has its own owner card called I-Car credit card.
Ping An I car credit card can enjoy a 20% discount when refueling at the cooperative gas station, as well as free road rescue within 100km and an aviation accident insurance with a coverage of 2 million. However, Ping An I car credit card will be very troublesome for users who are not Ping An auto insurance, and the possibility of rejection is great, which seems to be somewhat inhuman.
Card Name: Ping An Owner Card
In addition to the I-car credit card, Ping An Bank also has a Ping An owner card. The annual fee of this credit card is 200 yuan, and you can enjoy 2% discount every time you refuel. At the same time, you can also enjoy 680 yuan's insurance for outsiders and 30km free trailer service.
680 yuan, the owner of Ping An, can enjoy accident insurance.
However, I would like to remind you that the general insurance company's trailer service has regional restrictions, so it is best for car owners who apply for such credit cards simply for this service to consult carefully before making a decision.
Above, we have summarized some car credit card offers, and I believe everyone has a certain understanding of the car credit card offers of various banks.
For car owners who refuel more frequently on weekdays, choosing a CMB car card with greater refueling concessions can really save you a lot of money. For those owners of used cars, it is a more practical choice to choose Guangfa owner's card, which has both gas concessions and 100km road rescue and quick repair service.
What details should I pay attention to in car credit card?
After talking about which credit card is more affordable, let's talk about some details of the car credit card. In fact, many of these details need attention not only for car credit cards, but also for ordinary credit cards.
1. Card access conditions
One of the most important conditions for handling a car credit card is that the card owner needs to own a car. According to the background investigation results of the model and the owner, the credit limit will be different.
In addition, generally speaking, this kind of credit card will engrave the owner's license plate number on the card to show that this credit card product is specially made for the owner, but here, the owner also needs to use this card carefully, try not to lose it and avoid too much 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 accurate enough, it will easily lead to frequent overdue repayment, which will lead to the cardholder paying more interest for no reason.
In addition, many people are willing to bind credit cards and savings cards, which can reduce the number of trips to the bank, but it is easy to have "confused accounts". You'd better go to the bank twice more.
3. About the bill
The delivery of bills is also a detail that many friends easily overlook. Nowadays, in order to save money, many banks often use the form of short message bills, which is beneficial to environmental protection, but the short messages of banks are easily blocked as spam messages. If cardholders are used to receiving bills by SMS, we suggest that you lower the screening level of SMS to prevent us from missing the bill.
However, we still suggest that you choose to pick up the bill by mail, so that you can not only know the repayment amount of the month, but also see the consumption details to avoid the wrong account.
4. About information confidentiality
Privacy of personal information has always been a headache for many people. Because the national laws are not perfect enough, the security of personal information can not be fully guaranteed.
However, we suggest that cardholders should mark their identity documents when applying, such as "handling XXX matters only for XXX". Although there is no guarantee of such effectiveness, it is a comfort to everyone.
Finally, I would like to remind you that although credit cards can help us to travel without carrying too much cash every day, because of the real feeling of not having cash, it is very easy for cardholders to calculate in their minds when swiping cards, which leads to the explosion of swiping cards. So when you swipe your card, you'd better have a rough estimate in your mind to avoid overdraft.
How about Cheyou Credit Card of Industrial Bank?
Cheyou Credit Card of Industrial Bank is MasterCard RMB/USD dual-currency credit card, which is divided into distinguished card and elite card. The card is valid for five years, and the issuing cities are only Shenzhen, Guangzhou, Xiamen, Jinan and Zhengzhou. The annual fee for riders' credit card of Industrial Bank is 100 yuan, which is free in the first year, and free in the following year when swiping the card five times. The longest interest-free period is 50 days, and the credit line is 1000- 1000, and the withdrawal amount is 50% of the credit line.
What are the special functions of Cheyou Credit Card of Industrial Bank?
Cheyou Card of Industrial Bank will provide private car owners with various value-added services such as RMB/liter subsidy, car insurance concessions, airport VIP treatment, 2 million aviation accident insurance, and exemption from the annual fee for the first year.
Maximum yuan/liter fuel subsidy. Distinguished card and elite card customers purchase the insurance products designated by our bank at one time through Cheyou Credit Card of Industrial Bank and successfully deduct the money. 2000 yuan and above, you can enjoy the discount of oil fee points subsidy.
Maximum car insurance discount. By cooperating with designated insurance companies, Industrial Bank provides the largest auto insurance discount within the scope permitted by laws and regulations to the cardholders of Cheyou Credit Card of Industrial Bank, with a 30% discount (excluding compulsory insurance), and can enjoy VIP services of some designated insurance companies.
Enjoy VIP privileges at the airport. Cheyou credit card customers can enjoy the "airport VIP service" provided by 15 central cities 16 airport.
2 million high aviation insurance guarantee. You only need to use the Cheyou credit card of Industrial Bank in your name to pay the full amount of the ticket (face price) or pay more than 80% of the tour fare (inclusive), and you can get an aviation accident insurance with a guaranteed amount of 2 million yuan for free, so that you can travel safely and worry-free.
The points offset the fuel cost. You can swipe your card at the POS machine designated by Industrial Bank for the gas station, and use the points in the riders' credit card of Industrial Bank to offset the amount of gas. Every 400 points can be offset? 1 yuan consumption amount. You can also use credit card points to spend in designated merchants, or exchange points for gifts such as flying miles of airlines designated by China petrochemical refueling card and Industrial Bank.
Car dealers enjoy special discounts. You can enjoy preferential consumption at the automobile service merchants designated by Industrial Bank. In addition, users can also enjoy VIP customers' priority financial services and regional rights and interests in branches.
What is the Industrial Bank credit card gold card?
Industrial Bank Platinum Card is the first platinum credit card with the theme of "special VIP service" launched by Industrial Bank to "focus on VIP service and seize the high-end market".
Following the successful issuance of standard platinum credit cards, the platinum credit card series launched by Industrial Bank this time provides more attractive and distinguished rights for the needs of high-end people in different fields such as business travel, medical care and health.
Extended data:
Industrial Bank Credit Card Type:
1, Platinum Card Series
UnionPay RMB Platinum Credit Card VISA Standard Dual Currency Platinum Credit Card MasterCard Standard Dual Currency Platinum Credit Card Friendship Business Travel Platinum Credit Card Youyue Health Platinum Credit Card Youyou Golf 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
China Heart Credit Card Garfield Credit Card QQ Show Credit Card Cheyou Credit Card Starry Night Constellation Credit Card QQVIP Credit Card People's Republic of China (PRC) 60th Anniversary Theme Credit Card
4. Co-branded card series
City Beauty Credit Card Beijing Hong Kong Jockey Club Membership Card Mango Travel Credit Card Classic Car Joint Credit Card Eastern Airlines Joint Credit Card Taobao Joint Credit Card
5. Department Store Card Series
Wuhan Zhuangsheng sogou Credit Card Rainbow Co-branded Card Tianjin Friendship Co-branded Card Dayang International Co-branded Card Minsheng Co-branded Card Ginza Co-branded Card Xidan Shopping Mall Co-branded Card Yitian Holiday Co-branded Card Hongbo Co-branded Card Nanzhong Plaza Co-branded Card Mao Ye Department Store Co-branded Card
6. ID card series
Guangzhou Education Foundation ID Card Foshan Education Card
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 bank of communications credit card exclusive loan for riders only be swiped at the place where the car is sold? Have you ever used it? Help me solve it.
Yes, the exclusive loan of the credit card riders of Bank of Communications should be used to buy a car at a designated car merchant (see the website of Bank of Communications for details).
At the designated auto dealer (see the website of Bank of Communications for details), it is used for my own car purchase and corresponding consumption, and the single consumption reaches ￥ 30,000.00. I used the credit line as agreed, and automatically handled 36 installments, with a monthly handling fee rate of 0.39%. And keep relevant vouchers or invoices for inspection. If it is not used as required, Bank of Communications has the right to cancel the installment and demand full repayment of the remaining installment amount.
The introduction of rider credit card and vehicle credit card is over. I wonder if you have found the information you need from them?