1. Preferential policies for annual fees of some banks:
Credit cards of Bank of China, Agricultural Bank and Industrial Bank: free in the first year, and free of the annual fee for the following year if you swipe your card five times in one year.
ICBC Credit Card: Credit cards are swiped five times a year, and the annual fee for that year is exempted.
Credit card of China Construction Bank: free in the first year and free of annual fee in the next year.
Bank of Communications Credit Card: Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card six times a year (Bank of Communications Platinum Credit Card has no annual fee-free policy).
Credit card of China Merchants Bank: free in the first year and free of annual fee in the next year.
Credit card of China CITIC Bank: swipe the card 1 time within 1 month after the card is activated, and the annual fee of the current year is exempted; Credit card is swiped 5 times in one year, and the annual fee for the following year is exempted.
2, different levels of credit card annual fee standards.
The grade of credit cards issued by banks has a great influence on the annual fee. According to the annual fee policies of various banks, the annual fee for standard credit cards is about 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. Moreover, the annual fee of a single-currency card is lower than that of a dual-currency card, and the annual fee of a secondary card is generally halved corresponding to the annual fee of the main card. Of course, there are also banks that implement the policy of annual fee for ordinary cards in 80 yuan and annual fee for gold cards 160 yuan, such as Bank of Communications Credit Card. Bank of Communications credit card RMB single currency Capka annual fee 80 yuan, Gold Card 160 yuan; Dual currency Capka 140 yuan, Jinka 200 yuan.
However, the annual fee standard of credit cards of different banks will be different according to different cards.
3. Credit card free of annual fee for life:
Although there are few credit cards that are free of annual fees for life, it is not without them. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.
There are also free lunches in Shanghai Bank's credit cards, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.