What is the annual fee for the CITIC Platinum Card?
The annual fee for the main card of the CITIC Platinum Card is RMB 2,000; the annual fee for the supplementary card is RMB 1,000. If you swipe the card or withdraw cash once within 30 days of card approval, you will be exempted from the annual fee for the first year. If you swipe the card or withdraw cash a total of 5 times within a year, you will be exempted from the annual fee for the next year.
No fees will be charged if the credit card is not activated (note: except CITIC Infinity Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card, and Annual Fee Package Card).
Extended information:
CITIC Bank’s platinum card is divided into two levels, one is the distinguished level. The annual fee for the exclusive platinum credit card is 2,000 yuan for the main card and 1,000 yuan for the supplementary card. The other is the elite level. The annual fee for the main card of the elite platinum credit card is 480 yuan, and the annual fee for the supplementary card is 240 yuan. Of course, not all platinum credit cards have elite tiers, most platinum credit cards have elite tiers. In addition, CITIC Bank Platinum Credit is free of annual fees in the first year, and swiping the card 5 times is free of annual fees in the following years.
China CITIC Bank (hereinafter referred to as "Party A") and the CITIC Bank credit card (hereinafter referred to as "Credit Card") applicant (hereinafter referred to as "Party B") refer to the principal card applicant or the principal card applicant and its Both supplementary card applicants) hereby sign the following contract regarding matters related to Party B's application for the use of a credit card by Party A. When Party B signs the application form or uses the credit card, Party B is deemed to have understood and accepted this contract and agrees to be bound by it. .
Term definition
Credit card account: refers to the account under the credit card opened by Party B with Party A. The account of dual-currency credit card is divided into RMB account and account. Credit cards are divided into physical credit cards and electronic credit cards based on card media.
Notes on China CITIC Bank Platinum Credit Card
The credit limit of CITIC Bank’s regular card is generally between RMB 3,000-10,000; the credit limit of gold card is RMB 10,000-50,000. Within the range of RMB; the credit limit of platinum card is generally above 50,000 yuan. CITIC Little White Card is positioned at the CITIC Gold Card level, with an initial limit of more than 10,000 yuan and a cap of 50,000 yuan. If you want to obtain high-amount credit, the more financial proof you have, the better.
Tips for increasing the credit limit of CITIC Xiaobai Card
1. After using the card for half a year, cardholders can call the CITIC Bank customer service hotline 95558 to apply for a limit increase. The bank will apply for an increase based on your card usage. and credit history to decide whether to raise the limit.
2. Swipe more cards and spend more, and spending on JD.com will affect the increase in your credit limit.
3. You can pay in installments appropriately, but you have to pay some handling fees. This is a way to increase the limit of your CITIC credit card. The effect of installment payment is better when shopping on JD.com.
4. Put an end to bad card usage records and repay on time. If you cannot repay in full, you must repay the minimum repayment amount on time and pay interest.
CITIC Bank Platinum Card Annual Fee
CITIC Bank’s Platinum Card is divided into two levels. One is the distinguished level. The annual fee for the distinguished platinum credit card is 2,000 yuan for the main credit card, and the annual fee for the supplementary card is 2,000 yuan. The fee is 1,000 yuan.
To avoid the annual fee of CITIC Platinum Card, you generally have to swipe the card 5 times to be exempted from the annual fee of the next year, and so on. In other words, if you swipe your card 5 times every year, you don’t have to pay an annual fee.
1. CITIC Bank VISA Magic Platinum Card
Annual fee for main card: 2,000, annual fee for supplementary card: 1,000, annual fee exemption policy: waived for the first year, 5 card swipes waived Year.
2. CITIC Bank Overseas Student Credit Card Platinum Card
Annual fee for main card: 2,000, annual fee for supplementary card: 1,000, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
3. CITIC Hefei Forum Name Card Platinum Card
Annual fee for main card: 2,000, annual fee for supplementary card: 1,000, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
4. Air China Zhiyin CITIC Bank Credit Card Platinum Card
Annual fee for main card: 2,000, annual fee for supplementary card: 1,000, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
5. CITIC Bank Netherlands Travel UnionPay Credit Card Platinum Card
Annual fee for main card: 2000, annual fee for supplementary card: 1000, annual fee-free policy: waived in the first year, swipe the card 5 times Exemption for the following year.
6. CITIC Bank Tuniu Travel Credit Card Platinum Card
Annual fee for main card: 2000, annual fee for supplementary card: 1000, annual fee-free policy: waived in the first year, swipe the card 5 times Exemption for the following year.
7. China CITIC Bank UnionPay Business Credit Card Platinum Card
Annual fee for main card: 480, annual fee for supplementary card: none, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
8. CITIC Bank eLong Travel Credit Card VISA Platinum Card
Primary card annual fee: 2000, supplementary card annual fee: 1000, annual fee-free policy: waived in the first year, swipe the card 5 The second exemption is the following year.
9. CITIC Bank Golf Platinum Credit Card
Annual fee for main card: 3,600, annual fee for supplementary card: 2,000, annual fee exemption policy: waived in the first year, swiped the card 5 times to waive the following year .
10. Xinhui Tianfu Cash Treasure Credit Card Platinum Card
Main card annual fee: 2000, supplementary card annual fee: 1000, annual fee-free policy: waived in the first year, swipe the card 5 The second exemption is the following year.
11. CITIC Bank Platinum Premier Credit Card Platinum Card
Annual fee for main card: 2000, annual fee for supplementary card: 1000, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
12. CITIC Bank Platinum Elite Credit Card Platinum Card
Annual fee for main card: 480, annual fee for supplementary card: 240, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived The following year.
13. CITIC Bank MasterCard Magic Platinum Card
Annual fee for main card: 2000, annual fee for supplementary card: 1000, annual fee exemption policy: waived for the first year, swiping the card 5 times is waived Year.
From the above, we can know the annual fee of CITIC Platinum Card, as well as the annual fee exemption situation that everyone is concerned about. If you want to waive the annual fee, you must swipe the card 5 times to be exempted from the annual fee for the next year, and so on. . In other words, if you swipe your card 5 times every year, you don’t have to pay an annual fee.
CITIC Bank Credit Card Platinum Annual Fee
CITIC Bank Credit Card, Gold Card Upgrading to Platinum Card is indeed a trap, everyone must be careful.
The CITIC Credit Card Platinum Card has a certain annual fee reduction policy:
1. Cardholders need to pay the annual fee for the first year by themselves. The annual fee for the elite and premium versions can be paid for the next year. Redeem it through points; the next year’s annual fee for the premium version of the Platinum Card also needs to be paid by yourself and cannot be redeemed through points.
2. If the cardholder does not have too many requirements for the rights of the CITIC Credit Card Platinum Card, it is recommended that the cardholder can choose the Elite or Premium Edition of the CITIC Bank Credit Card UnionPay Platinum Card.
1. Although the annual fee of CITIC Credit Card Platinum Card is relatively expensive, the cost-effective benefits are still considerable:
1. Cardholders enjoy the Platinum “36+1” full sports experience;
2. Cardholders enjoy platinum business travel benefits, such as VIP registration, 2-hour flight delay insurance and other services;
3. Cardholders enjoy platinum travel protection, with 15 million airlines Accident insurance, roadside assistance services, etc.;
4. Cardholders enjoy Platinum private medical care, including Platinum tooth cleaning care, family health examination, appointment registration, etc.;
5. Cardholders enjoy platinum personal service privileges.
2. CITIC Bank’s credit card issuance volume has maintained rapid growth in the past few years. In 2017, CITIC Bank added 12.19 million new credit cards and issued a total of 49.57 million cards. In 2018, 17.48 million new cards were issued, an increase of 43.44% over the previous year. The growth rate of card issuance surpassed the "King of Retail" China Merchants Bank and Ping An Bank; a total of 67.05 million cards were issued. In 2019, CITIC Bank issued 16.2681 million new credit cards, with a total of 83.32 million cards issued, an increase of 24.26% from the end of the previous year. In 2020, affected by the epidemic, the growth rate of new credit cards issued by China CITIC Bank declined, but the total number still reached 9.3 million, and the cumulative number of cards issued exceeded 92.62 million. As of the end of 2020, CITIC Bank's credit card loan balance was 485.2 billion yuan, a decrease of 5.64% from the end of the previous year; at the end of 2018 and 2019, this figure was 442 billion yuan and 514.2 billion yuan respectively.
3. Another evidence of the deteriorating asset quality of CITIC Bank is that its credit card bad debt recovery rate is getting lower and lower. The 12-month recovery rate for credit card debt that became non-performing assets in July 2019 was only 11.53%. For non-performing debt in July 2017, the 12-month recovery rate was 17.01%.
CITIC Bank's credit card issuance rate is basically at the top level, which shows that many people use it. Its review is relatively loose, but the limit is relatively low. In terms of fees, there is an interest-free repayment period of up to 50 days, and you can choose to repay in full or according to the minimum repayment amount. No interest is required for full repayment during the interest-free repayment period (except for cash withdrawals). The overpayment in the card does not include deposit interest; the overdraft portion charges interest at a daily interest rate of 5/10,000.
4. Experience on using CITIC Credit Card:
1. Do not withdraw cash with CITIC Credit Card. Cash withdrawal is 30 yuan per time. (It’s really too unkind)
2. Don’t accept the service of upgrading to a gold card from CITIC Credit Card (CITIC is very unkind in this regard, and it really deserves to be scolded)
3. Don’t accept those services Insurance promotion services (CITIC originally has CITIC Insurance, so there is nothing wrong with providing resource sharing, you just don’t accept it).
4. It is really difficult for CITIC to raise quotas. (This is similar to Bank of Communications and Bank of China)
5. There are no free text messages for small amounts (the same applies to investment, Bank of Communications, and Construction)
6. The interest-free period is only 50 days (only 48 days, except Bank of China Titanium Ladies Card, Hua Xia Card, ICBC Card, Agricultural Bank of China Card, and Bank of Communications Card, which are all 50 days)
7. CITIC’s activities are the most affordable among all banks, and there are no requirements. High, the gifts are real and kind (watching a movie for nine yuan is really good.) Also, when I participate in activities, I usually get gifts of forty or fifty for every four or five hundred spent, which is really real.
8. You can use the card to threaten to waive annual fees for life, so you don’t have to worry about being charged annual fees if you forget to use the card. (It seems to be the only one)
9. We have many special merchants here, and you can basically get a 50% discount on movie theater tickets with a card (all in our city are available)
10. Free repayment for U-Shield linked debit card. (This is not bad. Points were also given back then)
How much is the annual fee for CITIC Bank Platinum Card?
The annual fee for CITIC Platinum Credit Card is 480 yuan/year, and the annual fee is waived for the first year. . Cardholders who spend 12 times with the card on any bill within the year, including cash withdrawals and non-points transactions, can be exempted from the annual fee for the next year, or use 60,000 credit card points to redeem.
Types of credit cards
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits.
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards
Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally.
Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide.
Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.
This ends the introduction about the annual fee of CITIC Credit Card Platinum Card and the annual fee of CITIC Credit Card Platinum Card. I wonder if you found the information you need?