CCB Longka Credit Card is mainly divided into two types: Longka IC Credit Card and Longka IC Platinum Credit Card. The specific annual fee policies are as follows:

1. Longka IC Credit Card:

The annual fee of Longka IC General Card is 8 yuan/year, and cardholders can enjoy the annual fee-free policy in the first year, and the annual fee for the next year can be waived if they spend or withdraw money for more than three times. The annual fees of IC gold card and silver card of Dragon Card are both 16 yuan/year, and the annual fee exemption conditions are the same as those of the above cards.

2. Dragon Card IC Platinum Credit Card:

Dragon Card IC Platinum Card is divided into three types: standard card, elite card and diamond card, and their annual fees are 58 yuan/year, 1,8 yuan/year and 5,8 yuan/year respectively. Among them, CCB Longka Standard Edition can be exempted from paying the annual fee for the following year if it swipes the card for more than 18 times, and other Longka IC platinum credit cards cannot be exempted from paying the annual fee.

Annual fee standard for other card types:

Business card: Golden Card 2 yuan/Card, and ordinary card 1 yuan/Card

It is charged in advance every year. Personal gold card (and China Eastern Airlines Dragon Card Silver Card) will not be returned after collection: main card 16 yuan/card, supplementary card 8 yuan/card

Personal ordinary card: main card 8 yuan/card, supplementary card 4 yuan/card

Dragon car card: main card 2 yuan/card, supplementary card 1 yuan/card extension information

The annual fee rules of credit cards refer to some corresponding regulations on the annual payment of credit cards.

in fact, for most cardholders, the annual fee is not a problem, but the key is whether the annual fee-free index is easy to achieve. From the survey, we found that most credit card centers did not adjust the original standard of annual fee exemption, only a few of them raised it.

since August, 213, most credit cards can be exempted from the annual fee for the first year, and the annual fee can be reduced by swiping the card for a certain number of times or a certain amount. The relatively low standards are the standard cards of China Construction Bank and China Everbright Bank. As long as the cardholder swipes the card for three times a year, the annual fee for the following year can be exempted.

among them, the cumulative number of swipes can also be combined between the main card and the supplementary card of Everbright Credit Card, that is, the annual fee can be waived for both the main card and the supplementary card once they are swiped for three times.

The annual fee-free policy of Bank of Communications is that the annual fee is free in the first year, and the annual fee is free in the following year if the card is swiped for six times (unlimited amount) in one year. The swiping times of the main card and the supplementary card can be calculated together. However, the credit card center may introduce a new annual fee standard, which will be announced on the website of the credit card center and the cardholders will be informed accordingly. If the annual fee-free policy changes, cardholders should not forget to adjust their credit card strategy.

The annual fee exemption policy of Shanghai Pudong Development Bank is quite special. Cardholders of standard Capka, Gold Card and some Platinum Cards (accelerated points and simple Platinum) can be exempted from the annual fee for the following year by swiping their cards six times. Standard platinum cards and co-branded cards need to earn 3, points to avoid the annual fee for the following year. (1 point for spending 1 yuan)

Minsheng Bank and Shenzhen Development Bank have relatively high annual fee-free standards. The former requires cardholders to swipe 8 times in a year to avoid the annual fee of the following year, while the latter raises the standard to 18 times. Moreover, both credit card centers stipulate that the number of swipes for the main card and the supplementary card should be calculated separately, and any card that fails to meet the standard needs to pay the corresponding annual fee.

China Construction Bank-Announcement on the change of preferential annual fee policy for standard platinum card series products.