The bank card handling fee is 0.38 to 1.

1. Discount merchants: including gas stations, supermarkets and large chain restaurants, etc., the card swiping fee is 0.38 of the transaction amount. For example, if you use a credit card to spend 100 yuan at a discount merchant, the merchant needs to pay a handling fee of 0.38 yuan to the bank.

2. Standard merchants: including retail stores and restaurants, etc., the card swiping fee is 1% of the transaction amount. For example, if you use a credit card to spend 100 yuan at a standard merchant, the merchant needs to pay a handling fee of 1 yuan to the bank.