What is the annual fee charging standard for Guangfa Credit Card Gold Card? Will the annual fee be charged if it is not activated?

Generally speaking, due to the different rights and interests enjoyed by each card type, different card types have the same card level. The annual fees charged are different. Today, I would like to introduce to you the annual fee charging standard for Guangfa Credit Card Gold Card.

1. Annual fee charging standard for Guangfa Credit Card Gold Card

1. Dual Currency Gold Card main card RMB260, Dual Currency Gold Card supplementary card RMB130;

2 , RMB 80 yuan for the main card of the RMB Gold Card, RMB 48 for the supplementary card of the RMB Gold Card;

3. RMB 85 yuan for the main card of the True Love RMB Gold Card, RMB 55 for the supplementary card of the True Love RMB Gold Card;

4 , USD Gold Card main card USD30, USD Gold Card supplementary card USD18;

5. Hong Kong Dollar Gold Card main card, HKD250, Hong Kong Dollar Gold Card supplementary card HKD150.

2. Annual fee exemption policy for Guangfa Credit Card Gold Card

1. The annual fee for the first year is directly waived, and the annual fee for the following year is waived if the card is swiped six times a year. However, for Platinum Card, Business Cards, company cards, and debit cards are excluded;

Relatively speaking, the charges for the GF Credit Card Gold Card are relatively small, and the annual fee-free policy is also relatively easy to achieve.

Does Guangfa Bank Credit Card have an annual fee?

Guangfa Bank Credit Card has an annual fee. The annual fee calculation cycle for Guangfa Bank's credit cards is calculated from the day the new card is activated. If the conditions for annual fee exemption are not met, the system will deduct the annual fee on that day of the next year.

Guangfa Bank credit card annual fee standard:

1. Ordinary card: 40 yuan for main card, 30 yuan for supplementary card;

2. Gold card: main card 80 yuan, supplementary card 48 yuan;

3. Titanium Card: 480 yuan for the main card, 240 yuan for the supplementary card;

4. Premium Platinum Card: 480 yuan for the main card, Supplementary card 240 yuan;

5. Standard Platinum Card: 2,500 yuan for the main card, 1,500 yuan for the supplementary card;

6. Infinite Card/World Card: 12,000 yuan for the main card, 1,500 yuan for the supplementary card 5,000 yuan.

The full name of China Guangfa Bank is China Guangfa Bank Co., Ltd. It is one of the earliest joint-stock commercial banks in China. It was established on the banks of the Pearl River in 1988 and is now headquartered in Guangzhou, Guangdong Province, China.

On April 8, 2011, the original name "Guangdong Development Bank Co., Ltd." was officially changed to "Guangfa Bank". Mainly engaged in comprehensive financial services business, later "China Life" bought a large number of shares in China Guangfa Bank and became the largest shareholder.

The business scope of China Guangfa Bank is all banking businesses stipulated in the "Commercial Bank Law", which mainly includes: absorbing public deposits, issuing short-term, medium-term and long-term loans; handling settlements; handling bill discounts; and issuing financial bonds; Agency for issuance, redemption and underwriting of government bonds; buying and selling of government bonds; engaging in inter-bank lending; providing letter of credit services and guarantees; agency for collection and payment and insurance agency; provision of safe deposit box services; foreign exchange deposits; foreign exchange loans; foreign exchange remittances; exchange; international Settlement; settlement and sale of foreign exchange; inter-bank foreign exchange lending; acceptance and discounting of foreign exchange bills; foreign exchange borrowings; foreign exchange guarantees; issuance of foreign exchange credit cards; buying and selling and agency sales of securities other than stocks; issuance and agency issuance of securities other than stocks ; Self-operated and agent foreign exchange trading; agency for foreign credit card issuance and payment services; offshore financial services; credit investigation, consultation, and witness services. Other businesses approved by the People's Bank of China and the China Banking Regulatory Authority.

Is there an annual fee for Guangfa Credit Card?

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

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 Owners Credit Card: Up to 36% cash back on refueling 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.

Guangfa Bank Standard Credit Card Gold Card has a dual-currency card with an annual fee of 260 yuan

Guangfa Bank Standard Credit Card Gold Card (MasterCard) is a standard credit card issued by China Guangfa Bank and is also the first domestically issued Standard credit card. Guangfa Bank Standard Credit Card Gold Card cardholders enjoy full card loss protection 48 hours before reporting the loss, optional high-value insurance protection, "everything goes" interest-free installments, overdraft cash withdrawals and points accrual, and many other functions and benefits, allowing card holders to People spend more freely and manage finances more easily.

Compared with the same type of dual-currency credit card, the annual fee of Guangfa Bank Credit Card is only 260 yuan. It also enjoys the policy of exempting the first-year annual fee and swiping the card 6 times to waive the annual fee for the next year. Other characteristics are mainly reflected in the following aspects.

Provides deposits, cash withdrawals, transfers, consumption, collection and payment, telephone banking and other services. National network. Our branches have expanded to large and medium-sized coastal cities across the country, with more than 600 business outlets. You can make purchases at nearly 100,000 merchants with the "China UnionPay" logo or connected to the Bank and at approximately 37,000 automated machines. Withdraw cash from teller machines.

Worldwide, high-quality service. The application procedure is simple. The 24-hour manual telephone hotline provides you with comprehensive customer service, emergency support, authorization assistance and telephone banking self-service. There is zero risk of losing your card. The first "card loss report with immediate effect" service in China can minimize your risks and losses and provide greater protection for your interests.

Consumption discount plan. Our bank's special "Points Reward Plan" and "Guangfa Card Merchant Preferential Plan" allow you to get rewards for your points consumption and enjoy exclusive discounts at the same time. On festive occasions, a variety of discounts are also available to give you double benefits.

Global emergency support services. Designed specifically for GF International Card customers traveling abroad, it provides emergency assistance services worldwide, including: emergency card replacement, emergency cash withdrawal, emergency loss report, ATM guidance, medical and other guidance, etc. No matter when and where, GF International Card will be your loyal and right-hand man.

Guangfa Bank credit card annual fee and annual fee exemption policy

Guangfa Bank credit card is divided into regular card, gold card and platinum card. The annual fee standards of each credit card are different, as long as they meet Annual fee exemption policy, the annual fee will be waived for the next year. The specific fee standards are as follows:

Applying for a card

Applying for a Guangfa Credit Card with 5 times the points and 1% cash back

1. GF RMB annual fee:

General card: The annual fee for the main card is RMB 40/year, and the annual fee for the supplementary card is RMB 30/year.

Gold Card: The annual fee for the main card is RMB 80/year, and the annual fee for the supplementary card is RMB 48/year.

2. Annual fee for GF USD Card:

General card: The annual fee for the main card is US$15/year, and the annual fee for the supplementary card is US$12/year.

Gold Card: The annual fee for the main card is US$30/year, and the annual fee for the supplementary card is US$18/year.

3. Annual fee for GF Dual Currency Card:

General card: The annual fee for the main card is RMB 90/year, and the annual fee for the supplementary card is RMB 45/year.

Gold Card: The annual fee for the main card is RMB 260/year, and the annual fee for the supplementary card is RMB 130/year.

There is no annual fee for Guangfa Credit Card without opening the card, and the number of purchases is calculated when paying online.

Whether Guangfa Credit Card is a gold card or a regular card, the annual fee exemption rules are the same: the annual fee is waived in the first year, and the annual fee is waived for the next year by swiping the card six times.

That’s it for the introduction to the annual fee of Guangfa Credit Card Gold Card.