Guangfa Bank credit card requires an annual fee.

However, Guangfa Bank’s credit card has an annual fee-free policy. Generally, cardholders can unconditionally waive the annual fee in the first year of opening the card. In the second year, cardholders only need to swipe the card 6 times to make purchases. You can reduce the annual fee for the following year.

Furthermore, the Guangfa Bank Credit Card will not charge an annual fee when the card is not activated. The annual fee will not be charged until the cardholder successfully activates the credit card.

The annual fee charging standards for Guangfa Bank’s credit cards are as follows:

1. The annual fee for the main card of Guangfa Bank’s RMB card is RMB 40 per year, and the annual fee for the supplementary card is RMB 30 /year;

2. The annual fee for the Guangfa Bank Credit Card RMB Card Gold Card is RMB 80 per year for the main card and RMB 48 per year for the supplementary card.

3. The annual fee for Guangfa Bank Credit Card RMB Card Standard Platinum Card is RMB 2,500 per year for the main card and RMB 1,500 per year for the supplementary card.

Guangfa Bank Credit Card is the first standard credit card in China. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions. The first is the standard card, which is intended for use by the general public and has no specific directivity. The True Love Card and Pearl Card are high-end credit cards specially established to target women in the new era. These credit cards will receive certain discounts when purchasing some consumer goods for women. The car owner card is for private car owners, who will enjoy more discounts in terms of refueling, car maintenance, etc. At the same time, China Guangfa Bank Credit Card has issued a commercial card, which is widely used in some large consumer places, hotels, etc. It can be applied, and you will enjoy certain discounts on some hotel services and reservation services.

The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the maturity date. The repayment method is flexible, you can pay it off in full or choose the minimum repayment amount.

Types of Guangfa Bank credit cards:

1. Guangfa Zhihui Credit Card: a credit card that allows overdraft and cash withdrawal, and is a credit card launched for urban white-collar workers.

2. GF Duolijin Credit Card: There are various discounts and rights for eating, drinking and playing, including cash rebates from Didi, Meituan, Starbucks, WeChat and Alipay.

3. Guangfa Taobao Credit Card: A credit card launched by China Guangfa Bank for young people.

4. GF Zhenshang Platinum Credit Card: A credit card specially designed for customers who pursue a higher quality of life.

5. Guangfa Car Owner Credit Card: Up to 36 cash back on gas or 20% off on highway tolls.

6. GF iQiyi Credit Card: Free iQiyi gold VIP members every month.

7. Guangfa Lucky Day Exclusive Gold Card: 500,000 yuan in accident insurance will be given upon activation.

8. GF Zhenqing Credit Card: a credit card launched for women.

9. GF Didi co-branded card: 30 taxi coupons will be given every year.