Core Insights - The article discusses the comprehensive upgrade of credit card services by Ping An Bank, transforming credit cards from mere payment tools into integrated service platforms that enhance safety, convenience, health, and quality of life [1][5]. Summary by Sections Upgrade of Five Major Guarantees - Ping An Bank has introduced a "72-hour fraud protection" service, offering coverage for losses up to 300,000 yuan within 72 hours before reporting the loss, with a claims processing time of 3 to 5 working days [3]. - The bank provides travel insurance for all cardholders, covering various modes of transportation with a maximum coverage of 1 million yuan [3]. - An innovative "AI Doctor" service is now available, offering 12 free consultations per year for each cardholder, with a rapid response time of 5 seconds, catering to nearly 45 million cardholders [3]. - Flexible repayment options have been introduced, including self-deduction, scheduled payments, installment payments, and point redemption, along with a 3-day grace period and a minimum repayment ratio as low as 2% [3]. Service Experience Enhancement - A dedicated customer service system via WeChat has been established, providing one-on-one service with personalized care and recommendations for benefits and activities [4]. - Users can receive timely notifications about spending changes, bills, and repayment reminders through the official WeChat service account, facilitating quick account management [4]. Transition to a Comprehensive Service Model - The upgrade signifies a shift from a "transaction center" to a "user center" service paradigm, evolving credit cards into "lifestyle partners" rather than just payment instruments [5]. - The initiative aligns with Ping An Group's strategic focus on "reform and innovation," aiming for continuous service and product upgrades [5]. - The credit card is positioned as a gateway to a wide range of services, including insurance, health management, travel services, and quality consumption, embodying the "省心、省时、又省钱" (save worry, save time, save money) philosophy [5]. Future Outlook - With the integration of AI and big data, Ping An Bank's credit card services are expected to expand further into risk protection and health intervention, maintaining a user-centric approach [6]. - The goal is to create a financial lifestyle that is not only efficient but also warm and deep, establishing the credit card as an indispensable "all-in-one partner" in users' lives [6].

11月17日，平安银行信用卡面向所有持卡用户，推出五大基础保障全面升级，覆盖用卡、旅行、 健康、还款和服务五大场景。在信用卡行业频传权益缩水、积分"通胀"之时，平安银行信用卡以 "逆市" 姿态突破行业惯性，升级基础保障权益、新增多元附加服务，曾经费时费力的信用卡"薅 羊毛"转变为主动送到客户手中的温暖"毛衣"。 这是一次平安银行信用卡与持卡人之间坚定的互相选择。平安银行信用卡相信，行业衰退期不是权 益 "减法" 的理由，而是服务 "加法" 的契机，用维度跃升的服务体系，才能穿越周期、不负信 赖。 在未来的发展中，"生态+口碑"的双重护城河，将推动平安银 "信用卡，当然选平安"——这一品牌口碑的含金量还在上升。 守城：存量深耕时代的转身 在行业进入收缩周期已成为默认共识的当下，对于手握近4500万信用卡客户的平安银行信用卡而 言，"存量"客户既是沉淀多年的核心资产，也是需要精细运营的"甜蜜负担"。 行信用卡从"权益提供者"向"生活服务伙伴"全面升级 作者：江晴 封图：图片资料室 信用卡行业连续十一个季度持续"瘦身"，发卡量与贷款余额双双回落，不少同业选择收缩战线、 精简权益以应对寒潮——顺应这一趋势，或许能换得 ...

在行业进入收缩周期已成为默认共识的当下，对于手握 近4500 万信用卡客户的平安银行信用卡而言，"存量"客户既是沉淀多年的核心资产，也是需要精细 运营的"甜蜜负担"。 "信用卡，当然选平安"——这一品牌口碑的含金量还在上升。 11月17日，平安银行（000001）信用卡面向所有持卡用户，推出五大基础保障全面升级，覆盖用卡、旅行、健康、还款和服务五大场景。在信用卡行业频传 权益缩水、积分"通胀"之时，平安银行信用卡以 "逆市" 姿态突破行业惯性，升级基础保障权益、新增多元附加服务，曾经费时费力的信用卡"薅羊毛"转变 为主动送到客户手中的温暖"毛衣"。 这是一次平安银行信用卡与持卡人之间坚定的互相选择。平安银行信用卡相信，行业衰退期不是权益 "减法" 的理由，而是服务 "加法" 的契机，用维度跃升 的服务体系，才能穿越周期、不负信赖。 守城：存量深耕时代的转身 洞察：为用户"穿毛衣"的必要性 信用卡行业连续十一个季度持续"瘦身"，发卡量与贷款余额双双回落，不少同业选择收缩战线、精简权益以应对寒潮——顺应这一趋势，或许能换得一份更 轻盈的业绩报表，然而，金融终究要回归服务的本质，平安银行信用卡此刻的转身，并非被动适 ...

Core Viewpoint - Ping An Bank has upgraded its credit card services by introducing five major basic protections, focusing on user experience and aiming to enhance its brand reputation as a reliable credit card provider [1][11]. Group 1: Cardholder Protections - The upgraded "72-hour fraud liability waiver" service offers coverage for fraudulent transactions up to 300,000 yuan, making Ping An Bank the only institution in the industry to provide such extensive protection [5]. - Travel protection includes coverage for transportation accidents up to 1 million yuan, covering various modes of transport such as planes, trains, ships, and cars, ensuring comprehensive safety for cardholders [6]. - Health protection features a free AI doctor consultation service, allowing cardholders to access 12 free consultations per year, with rapid response times and personalized medical plans [7]. Group 2: Repayment and Service Enhancements - The repayment service has been upgraded to include multiple options such as automatic repayment, scheduled repayment, installment repayment, and minimum repayment, enhancing convenience for users [8]. - A dedicated customer service system via WeChat provides personalized support, allowing users to receive real-time updates on transactions and manage their accounts efficiently [9]. Group 3: Strategic Alignment - The upgrades align with Ping An Group's "Three Savings Project," emphasizing innovation and service enhancement as key themes for 2025 [10]. - This initiative is part of a broader strategy to differentiate Ping An Bank's credit card offerings and position them as essential tools for accessing comprehensive financial services [11].

平安银行信用卡中心介绍，早在2022年9月，平安银行信用卡中心即成立打击黑产专项小组，积极推进 专项治理工作。同时，平安银行信用卡积极响应国家金融监管总局号召，持续开展线上线下（300959） 多种形式的金融教育宣传活动。2025年9月金融教育宣传周期间，平安银行信用卡首次发布打击金融黑 灰产行动口号——"打黑产，保平安"，呼吁社会共同参与治理。此外还通过线下专题展位、互动游戏等 形式，向公众普及"征信修复""代理维权""非法集资"等常见黑灰产骗术的识别方法，提升公众防范意 识。展望未来，平安银行信用卡将持续强化警银协作、深化科技赋能、推进金融教育宣传，全力守护用 户合法权益和资金安全，为构建健康金融生态、维护社会稳定贡献"平安力量"。 据悉，平安银行信用卡"猎黑鹰眼"智能风控系统，依托大数据、声纹比对等前沿技术，充分协助总、分 各单位事前就识别出黑灰产端倪，又通过全国分中心网络联动、警银协同快速响应，实现属地化精准打 击。今年9月，平安银行信用卡中心联动多地分中心，协同警方针对伪造印章、敲诈勒索、合同诈骗等 多种金融黑产行为开展集中打击，取得显著成效。截至2025年9月底，平安银行信用卡累计推动黑产案 件刑 ...

Core Viewpoint - Ping An Bank's Credit Card Center is enhancing financial education in Shenzhen through innovative and interactive campaigns, focusing on consumer protection and financial literacy [1][9]. Group 1: Financial Education Initiatives - The Credit Card Center is utilizing multiple channels such as WeChat Moments, subway light boxes, and bus advertisements to integrate financial knowledge into daily life, creating an immersive educational experience [1][3]. - A new "WeChat Moments + Financial Education" platform has been established to reach a wide audience, with an expected exposure of over one million, effectively spreading consumer protection knowledge [3][9]. Group 2: Anti-Fraud Campaigns - The "Financial Knowledge Accompanying Me" initiative collaborates with the Shenzhen Banking and Insurance Consumer Protection Association to transform public transport spaces into anti-fraud awareness platforms, covering six subway stations and four bus routes [4][6]. - The Credit Card Center has introduced the "Six Methods to Identify Fraud" series, using simple language and engaging visuals to educate the public on common scams and illegal financial activities [4][6]. Group 3: Targeted Outreach Programs - The Credit Card Center is focusing on key demographics such as office workers, students, and the elderly by turning buses into "mobile classrooms" to disseminate financial knowledge [6][9]. - The "Financial Youth Riders" initiative targets vulnerable groups, including the elderly and youth, through creative consumer protection and financial education activities, enhancing their risk awareness [8][9]. Group 4: Future Commitment - The Credit Card Center aims to continue innovating in consumer protection education and channels, ensuring that financial literacy becomes an integral part of everyday life for all citizens [9].

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction costs and enhancing card usage willingness [1][2]. Group 1: Credit Card Currency Upgrade - China Merchants Bank announced that starting October 28, 2025, certain Mastercard credit card cross-border transactions will switch from USD to RMB, streamlining the currency conversion process [2]. - Ping An Bank will also support RMB for foreign currency transactions starting September 25, allowing customers to choose between RMB and USD for their transactions [2]. - This upgrade primarily affects Mastercard products, including standard, platinum, and world credit cards issued by China Merchants Bank [2][3]. Group 2: Market Dynamics and Competition - The currency upgrade is seen as a response to competitive pressures among card organizations, with Mastercard and American Express having established local operations in China [4][5]. - The upgrade may help expand Mastercard's issuance scale in China, benefiting the initial cooperating banks [6]. - The dual branding of cards in China, such as "Mastercard + UnionPay," is unique and stems from historical market conditions prior to China's WTO accession [6]. Group 3: Industry Challenges - The credit card industry is under pressure, with a reported decline in the total number of credit cards and transaction volumes across major banks [9]. - For instance, China Merchants Bank reported an 8.54% year-on-year decline in credit card transaction amounts [9]. - The currency switch is expected to have minimal immediate impact on consumers, primarily reflecting slight cost adjustments rather than significant benefits [10].

Group 1 - The core viewpoint of the articles highlights a significant reduction in credit card benefits across various banks, driven by cost pressures and a shift in the banking industry's strategy towards high-value customers [1][3][4] - The changes in benefits have led to customer dissatisfaction, with many users expressing their frustration on social media and even canceling their cards [5][6] - The credit card market is entering a phase of stock competition, with many banks experiencing negative growth in card issuance and a decline in transaction volumes [4][6] Group 2 - Banks are facing cost pressures due to narrowing interest margins, declining transaction amounts, and rising customer acquisition costs, prompting a need for efficiency [3][4] - The reduction in benefits is seen as a short-term cost-cutting measure, but it risks losing high-net-worth customers who are sensitive to service quality [5][6] - To retain high-value clients, banks are encouraged to offer personalized services and higher-yield products, moving away from traditional benefits [6][7] Group 3 - The industry is transitioning towards "data-driven services and scenario-based benefits," with banks innovating through co-branded cards and tailored offerings to enhance customer loyalty [7][8] - By leveraging big data, banks can provide customized products and services, increasing credit card usage frequency and overall customer satisfaction [8]

Group 1 - The core viewpoint of the articles highlights the innovative marketing strategies employed by banks, such as promotional activities linked to popular culture and events, to attract new customers and enhance brand visibility [1][18][20] - Ping An Bank has launched a promotional campaign where new customers can receive a Labubu toy by opening an account and depositing at least 50,000 yuan, which has gained significant attention and participation from young customers [2][10][8] - Jiangsu Bank has also engaged in promotional activities by offering free tickets to the Jiangsu Provincial Urban Football League through its app, which has increased user engagement and brand exposure [12][14][11] Group 2 - The marketing strategies reflect a shift in the banking industry towards breaking traditional service models and enhancing competitiveness, as banks adapt to changing customer expectations and digital trends [1][18][19] - However, regulatory concerns have emerged, with financial authorities in the Yangtze River Delta region prohibiting banks from using physical gifts or partnerships with internet platforms to attract deposits, emphasizing the importance of compliance in marketing efforts [19][20][17] - The articles suggest that while innovative marketing can drive short-term customer acquisition, banks should focus on long-term customer relationships and service quality rather than solely relying on promotional tactics [18][20][19]