This article explains how to request a Ping An Bank UnionPay travel card.
Travel-focused credit cards are becoming more common among Chinese residents who want convenient payments and tailored perks when they travel abroad.
Ping An Bank offers several UnionPay travel credit cards that are designed for frequent travellers and overseas shoppers.
What is the Ping An Bank UnionPay Travel Card?
This card is part of a broader family of travel-themed credit cards issued by Ping An Bank and running on the UnionPay network.
These cards are usually denominated in Chinese yuan (RMB) and can be used both in mainland China and in overseas markets.
They are intended for people who travel regularly or make frequent cross-border purchases.
Travel consumption rewards
Bonus points on overseas spending, and may include discounts at selected merchants abroad.
Some versions also offer travel-related protections such as flight delay cover or travel inconvenience benefits.
The card is positioned as a practical payment tool for cardholders who want to simplify foreign transactions while keeping their primary account in RMB.
Key Features and Travel Benefits
Ping An Bank’s UnionPay travel cards typically focus on making international spending more attractive.
The bank periodically launches promotions that reward cross-border spending with rebates, bonus points or limited-time discounts.
For example, some campaigns have offered higher rewards on in-store spending abroad, subject to caps and specific terms.
Many travel cards may also bundle travel inconvenience insurance, such as compensation when flights are delayed.
interest-free period
As with most modern credit cards, it includes an interest-free period on purchases when the statement balance is paid in full by the due date.
During this period, you do not pay interest on eligible purchases, although cash advances are usually excluded.
Points
Cardholders usually earn points on qualifying spending.
They can potentially be redeemed for travel vouchers, gifts, statement credits or other rewards, depending on the specific product rules.
Eligibility and Required Documents
Ping An Bank applies general credit-card approval standards to its UnionPay travel cards.
- Being an adult with full civil capacity, usually within the age range accepted by the bank for credit cards.
- Holding a valid identity document, such as a Chinese resident ID card, is especially for online applications.
- Being able to show stable income or employment, for example, through employer certificates, payslips, or other financial documents.
- Having a good credit record, with no serious overdue debts or negative entries in the credit reference system.
When you apply, you may be asked to provide copies of your identity document, proof of residence and proof of income.
In some cases, the bank may also consider additional information such as asset ownership or long-term employment to support your application.
How to Request the Card Online
For many applicants, the easiest way to request a Ping An Bank UnionPay travel card is via the official online channels.
- Visit Ping An Bank’s credit card section. From the bank’s official website, go to the credit card area and look for the travel or UnionPay travel card products.
- Choose your preferred travel card. Review the benefits and costs of the available travel card options, then click the button to apply online.
- Complete the application form. Provide your personal details, contact information, employment status, income, and any other required information. Make sure everything is accurate and complete to reduce the risk of delays.
- Submit documents and confirm. Upload any supporting documents requested (such as ID and income proof) and submit your application for review. You may receive updates by SMS, email, or via the app.
In all cases, you should ensure you are using official Ping An Bank channels, not third-party websites claiming to represent the bank.
Applying at a Branch or via Sales Staff
If you prefer face-to-face assistance, or if you do not meet the conditions for online processing, you can apply at a Ping An Bank branch.
This approach may be necessary if you hold certain types of ID that cannot be processed online.
At the branch, staff can introduce the different travel card options, explain the requirements and help you fill out the paper application form.
You will need to bring identity documents and proof of income, and you may be asked to sign consent forms for credit checks.
Interest Rates, Fees and Repayment Terms
Ping An Bank’s credit cards, including travel cards, follow a standard revolving interest structure.
If you do not pay your statement balance in full by the due date, interest is normally charged on the unpaid portion.
A commonly disclosed benchmark is a daily interest rate of 0.05%, which corresponds to an annualised rate of about 18.25%.
The bank may also offer instalment payment plans, where you convert a purchase or statement balance into fixed instalments.
Other potential fees
Can include cash advance charges, overdue interest, card-replacement charges, and foreign-currency or cross-border transaction fees.
Some travel cards may charge an annual fee but waive it if you meet certain spending thresholds; others may offer permanent fee waivers.
Customer Service, Phone Numbers and Bank Address
Ping An Bank provides several official channels for credit card customer support, including for UnionPay travel cards.
Main customer service / overseas hotline (credit card): +86-95511 (and variants such as +86-755-95511 and +86-755-29595511.
VIP service and complaint hotline: 4008-895-511 inside China; overseas access via +86-21-38824910.
For written or corporate correspondence, Ping An Bank’s head office address is commonly given as:
Ping An Bank Co., Ltd.
5047 Shennan East Road,
Luohu District, Shenzhen,
Guangdong, 518001, China.
Conclusion
The Ping An Bank UnionPay Travel Card is designed for residents who want a reliable payment tool for overseas trips.
Because specific travel card products differ in details and the bank’s policies may change, always check the latest official information.
Disclaimer: This article is for information purposes only and is based on publicly available information about Ping An Bank credit cards at the time of writing. It does not constitute financial advice, product recommendation or an official offer. Card features, eligibility, fees and interest rates can change without notice, and readers should verify all details directly with Ping An Bank or qualified professionals before making any financial decision or submitting an application.
