Core Viewpoint - The article highlights a shift in financial services from grand narratives to tangible daily experiences, emphasizing the importance of providing certainty and warmth in everyday life [1][2][10]. Group 1: Financial Trends - Digital RMB is beginning to earn interest like a demand deposit, enhancing the sense of growth for electronic cash [1]. - A credit repair mechanism for small overdue amounts has been initiated, offering a more inclusive space for those occasionally facing financial difficulties [1]. - Various financial support and subsidy policies aimed at boosting consumption are being continuously implemented from central to local levels [1]. Group 2: Consumer Behavior Changes - Consumers are willing to spend but are increasingly concerned about whether their spending is secure [4]. - There is a shift in focus from complex benefits to straightforward, easily redeemable rewards in financial products [4]. - The perception of risk among consumers is evolving, leading to a demand for financial products that can provide real utility in daily life [4][10]. Group 3: Partnership and Product Development - The collaboration between Ping An Bank and Luckin Coffee has resulted in a co-branded credit card that resonates with current consumer sentiments [1][2]. - The theme "A cup of Luckin, ten points of peace" reflects a narrative shift towards providing warmth and certainty in daily life [2][10]. - The design of the co-branded card aims to create a predictable and accessible sense of "small happiness" through its coffee-related benefits [6][10]. Group 4: Product Features and Benefits - New users receive a welcome gift of 12 cups of coffee, distributed over six weeks, to build initial trust [7]. - Weekly rewards for new users encourage habitual card usage by offering two cups of coffee for meeting spending thresholds [7]. - Referral rewards allow existing users to earn additional coffee benefits by bringing in new users, turning social connections into tangible rewards [7]. Group 5: Comprehensive Financial Ecosystem - The co-branded card encapsulates a broader financial ecosystem, transforming the simple pleasure of coffee into a comprehensive safety net [10]. - The "Three Savings" concept (saving worry, time, and money) underpins a one-stop protection system that enhances user trust [10]. - The card offers various protections, including a 72-hour fraud guarantee and significant travel insurance, addressing users' financial security concerns [10][11]. Group 6: Industry Paradigm Shift - The partnership illustrates a paradigm shift in the credit card industry, evolving from a mere payment tool to a more professional "life guardian" [12][13]. - The integration of high-frequency consumer scenarios, like coffee purchases, increases card usage and loyalty [13]. - This model balances short-term usage with long-term companionship, reflecting a new logic of credit card value that emphasizes experience and protection [13][14].

助力客户实现咖啡自由 12月29日，平安银行信用卡与瑞幸咖啡联合打造的平安银行瑞幸联名信用卡正式亮相，该卡以咖啡为情 感纽带，向广大客户传递"一杯瑞幸，十分平安"的新年祝愿，陪伴年轻人在冬日里温暖前行。 卡面设计吸睛 兼具质感与金融美学 卡面设计以清新灵动的插画风格呈现，选用瑞幸蓝色为主调，艺术化勾勒出瑞幸小鹿轻盈跃动、驻足于 平安金融中心前的灵动画面，象征着从自然灵境到都市生活的美好交融。 卡片工艺注重细节与质感，小鹿采用UV浮雕工艺立体凸显跃然卡面，触感生动；点缀其间的咖啡花叶 元素采用细腻的磨砂浮雕，在光影流转间呈现优雅的纹理质感。整张卡片不仅是支付工具，更是一件融 合品牌精神与生活美学的时尚单品。 周周畅享权益叠加 咖啡已成为现代职场人工作通勤、社交休闲的生活方式标配，平安银行信用卡精准捕捉这一消费趋势， 与瑞幸咖啡共同设计出贴近年轻人消费节奏的权益体系。首年免年费，消费满6笔免次年年费，覆盖咖 啡及多项特色权益，于2025年12月29日至2026年3月31日期间办卡，即可获得多重礼遇—— 12杯新户首刷礼:达标即领12杯。新户(首次办理平安银行瑞幸联名信用卡且未申办过平安银行信用卡其 他卡种的客户) ...

12月29日，平安银行信用卡与瑞幸咖啡联合打造的平安银行瑞幸联名信用卡正式亮相，该卡以咖啡为情感纽带，向广大客户传递"一杯瑞幸，十分平安"的新 年祝愿，陪伴年轻人在冬日里温暖前行。 卡面设计吸睛，兼具质感与金融美学 12杯推荐礼：邀请好友办卡领12杯。已经持有平安信用卡的客户，通过推荐好礼活动页面，每成功邀请一位新户好友办理平安银行瑞幸联名信用卡并完成首 刷，即可获得12张瑞幸咖啡券，至多可推荐30位好友参与。 作为平安银行信用卡五大基础保障升级后的首张跨界联名力作，该卡还提供全面增值服务，涵盖72小时盗刷免赔保障、100万元交通意外保障、12次免费AI 问诊、多种还款模式及1V1企微客服。此外，依托美国运通的资源加持，持卡人可尊享运通专属礼遇，包括星级酒店自助餐买一赠一、下午茶5折优惠，以 及指定地区境外消费2%返现等多重惊喜。（详见"美国运通卡礼遇"小程序） 周周畅享权益叠加，助力客户实现咖啡自由 咖啡已成为现代职场人工作通勤、社交休闲的生活方式标配，平安银行信用卡精准捕捉这一消费趋势，与瑞幸咖啡共同设计出贴近年轻人消费节奏的权益体 系。首年免年费，消费满6笔免次年年费，覆盖咖啡及多项特色权益，2025年 ...