Are there any fees and annual fees required to apply for a supplementary credit card?

Processing and charging of credit card supplementary cards (taking ICBC as an example):

1. ICBC credit card annual fee:

1. The annual fee for domestic ordinary cards is 50 yuan, and that for gold cards is 100 yuan;

2. The ordinary card fee for international dual-currency cards is 100 yuan, and the annual fee for gold cards is 200 yuan;

3. Business ordinary cards are 200 yuan 400 yuan for gold card and 2,000 yuan for platinum card;

4. The annual fee for all supplementary cards is half of the annual fee for the main card.

2. Annual fee-free policy for ICBC credit cards:

ICBC’s annual fee charging standard is to collect the annual fee after use, that is, the annual fee will not be charged until one year after the account has been opened. Here In one year, as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 yuan for student cards, 160,000 points for annual fees or 200,000 yuan for platinum cards), the annual fee for that year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.

3. Application for ICBC credit card supplementary card:

The principal cardholder of the China Construction Bank credit card personal card can download the application form online or go to the branch to receive the application form. Fill in the main card and supplementary card fields, and the main cardholder and supplementary cardholder sign in the signature columns of the main card and supplementary card respectively. A copy of the cardholder's ID card must also be attached, and then the application form and relevant materials must be submitted to a China Construction Bank branch.

All transaction amounts and corresponding interest, fees, etc. of the supplementary card will be credited to the main card account, and the main cardholder shall bear all repayment responsibilities; the main cardholder and the person with full capacity for civil conduct shall Supplementary cardholders are jointly and severally liable for repaying the amounts owed to the bank. Supplementary cardholders with limited capacity for civil conduct are only responsible for repaying debts incurred by the supplementary cards they hold.

Are the annual fees for supplementary credit cards separate from those for the main card?

The annual fee for the supplementary credit card is separate from that of the main card. The annual fee for the main card is generally 100 yuan, and that for the supplementary card is 50 yuan. The annual fee is waived for swiping the main card 6 times, and the annual fee is waived for swiping the supplementary card 3 times. fee.

The difference between the main card and the supplementary card:

1. The main credit card holder can be an immediate relative (parents, spouse or children) to apply for an supplementary card. Domestic applicants must be at least 10 years old. 14 years old. Overseas applicants must be 18 years old or above. You can hold your own primary card and someone else’s supplementary card at the same time.

2. The type of supplementary card must be the same as that of the main card, and it must share the credit limit with the main card. It does not have an independent account, cannot log in to online banking alone, does not issue separate bills, and repayments are included in the main card. Card account;

3. The rights and obligations of the supplementary card and the main card are basically the same. The supplementary card can enjoy the same preferential annual fee policy as the main card. For example, if the main card is swiped 6 times, the main card can be exempted from the main card for the following year. Annual fee, then if the supplementary card is swiped 6 times, the annual fee of the supplementary card for the next year will be reduced. From this point of view, once you hold a primary and secondary credit card, you must first ensure that the primary card consumption meets the annual fee-free conditions, otherwise the gain will outweigh the loss.

4. After the supplementary card is issued, it will be sent to the address of the primary cardholder. Please ensure that the address of the primary cardholder is valid before the card is issued.

Is there an annual fee for a supplementary credit card? How can I waive the annual fee for a supplementary credit card?

Like credit card supplementary cards, they are generally supplementary cards that the primary cardholder has applied for for immediate family members in order to facilitate the use of the credit card. When many people use supplementary credit cards, they often have many questions because they don’t know much about them, such as: Is there an annual fee for supplementary credit cards? How can I waive the annual fee for a supplementary credit card? Let me answer it for you today.

Is there an annual fee for a supplementary credit card?

Whether there is an annual fee for a supplementary credit card depends on the regulations of the bank to which the card belongs or the card type of the main card. However, supplementary credit cards generally have an annual fee, and the annual fee is generally about half of the annual fee for the main credit card.

Of course, some banks will charge different annual fees for credit card supplementary cards, and some credit card platinum cards are free of annual fees for supplementary cards.

How can I waive the annual fee for a supplementary credit card?

1. Credit card annual fee exemption policy:

Generally, the annual fee exemption for credit cards will vary depending on the credit card level. Common credit cards and gold cards generally waive the annual fee for the first year, and the annual fee for the following year is generally waived. For platinum cards, the annual fee is generally rigid, and at most it can be redeemed with points. .

In terms of annual fee exemption, most banks generally waive the annual fee by swiping the card enough times, and there is no requirement for the amount of card swiping. However, some banks, such as Shanghai Pudong Development Bank, require a minimum deposit of 5,000 yuan to waive the annual fee.

2. Annual fee-free policy for credit card supplementary cards:

Except for some supplementary cards that are exempt from annual fees, for other credit card supplementary cards, their annual fee reduction methods and credit card owners The cards are basically the same, with annual fees waived by swiping the card to meet the criteria.

Generally, if the main credit card needs to be swiped a certain number of times or in an amount to be exempted from the annual fee, then the supplementary credit card must also be swiped the same number of times or in an amount to be exempted from the annual fee.

The above is the answer to "Is there an annual fee for an additional credit card? How can I waive the annual fee for an additional credit card?" Supplementary credit cards generally have annual fees, and the annual fee is usually half of the annual fee of the main card. As for how to reduce or reduce the annual fee, the method for reducing or reducing the main card is generally the same. Of course, there are also supplementary cards that do not require annual fees, or some credit cards themselves are free of annual fees.

Is there an annual fee for the Agricultural Bank of China credit card supplementary card? What is the annual fee?

Supplementary credit cards are for the main card, but not all main cards support supplementary cards. Even if you support the application of supplementary cards, the supplementary card will be charged the same annual fee as the main card. However, compared to the main card, the annual fee for the supplementary card is much lower. Here we take the Agricultural Bank of China credit card as an example to introduce the annual fees of credit card supplementary cards.

Before getting into the topic, first understand which Agricultural Bank of China main cards can be used as supplementary cards

Agricultural Bank of China credit card gold cards, regular cards, and some platinum cards all support the application of supplementary cards.

The types of cards that can be used as supplementary cards for platinum cards include Zunran Platinum Card (Collector’s Edition), Zunran Platinum Card (Elite Edition), UnionPay Standard Platinum Card, Tennis Platinum Card, and Juneyao Airlines co-branded IC Platinum Card.

The following will introduce the annual fees of the main card and supplementary card of these credit cards.

1. Personal general cards: MasterCard main card 100 yuan/year, supplementary card 50 yuan/year; UnionPay main card 80 yuan/year, supplementary card 40 yuan/year;

2. Personal gold card: MasterCard main card 200 yuan/year, supplementary card 100 yuan/year; UnionPay main card 160 yuan/year, supplementary card 80 yuan/year;

3. Zun Ran Platinum Card (Collector's Edition): 3,000 yuan/year for the main card, 2,000 yuan/year for the supplementary card;

4. Zunran Platinum Card (Exquisite Edition): 880 yuan/year for the main card, 500 yuan for the supplementary card Yuan/year;

5. UnionPay Standard Platinum Card: 580 Yuan/year for main card, 300 Yuan/year for supplementary card;

6. Tennis Platinum Card UnionPay Card: 580 Yuan for main card Yuan/year, supplementary card 300 yuan/year;

7. Juneyao Airlines co-branded IC platinum card: main card 880 yuan/year, supplementary card 500 yuan/year.

It should be noted that the annual fees for the main and supplementary cards of these Agricultural Bank of China credit cards are charged annually. If the card is returned midway, the annual fees will not be refunded.

How much is the annual fee for the ICBC supplementary card? How can I waive the annual fee?

As we all know, supplementary cards also charge annual fees, and like the main card, the annual fee is also linked to the card level. The higher the level, the more expensive the annual fee, and the more stringent the annual fee reduction policy. ICBC credit cards are divided into four levels: regular card, gold card, platinum card, and black gold card. The following will introduce the annual fee charging standards for the main and secondary credit cards of different levels, and how to waive the annual fee.

1. Annual fee for regular cards

1. Charging standards:

1 Peony dual-currency credit card personal card: 100 yuan/card/year for the main card ; Supplementary card 50 yuan/card/year.

2 Peony RMB credit card personal card: 50 yuan/card/year for the main card; 25 yuan/card/year for the supplementary card.

3 Peony quasi-credit card personal card: Annual fee for main card is RMB 25/card/year; supplementary card is RMB/card/year.

2. Annual fee exemption policy:

The annual fees for the primary and secondary cards of the above three ICBC general credit cards can be reduced or reduced based on the number of card swipes or the amount of card swipes, as long as the number of cards accumulated in the year is Spend 5 times or 5,000 yuan or equivalent, and the annual fee for that year will be reduced.

2. Annual fee for gold card:

1. Charge standard:

Peony dual-currency and multi-currency credit card personal card: 200 yuan/main card Card/year; supplementary card 100 yuan/card/year.

Peony RMB credit card personal card: 100 yuan/card/year for the main card; 50 yuan/card/year for the supplementary card.

Peony quasi-credit card personal card: 50 yuan/card/year for the main card; 25 yuan/card/year for the supplementary card.

2. Annual fee exemption policy:

The annual fees for the primary and secondary cards of the above three ICBC gold credit cards can be reduced or reduced based on the number of card swipes or the amount of card swipes, as long as the number of cards accumulated in the year is Spend 5 times or 5,000 yuan or equivalent, and the annual fee for that year will be reduced.

3. Platinum Card Annual Fee

There are two types of Platinum Cards: Platinum Card and ICBC American Express Centurion Platinum Card.

1. Charging standard:

Platinum card: 2,000 yuan/card/year for the main card and 1,000 yuan/card/year for the secondary card.

ICBC Express Centurion Platinum Card: RMB 3,600/card/year for the main card, and no annual fee for the supplementary card.

2. Annual fee exemption policy:

Both of the above two primary and secondary platinum cards can reduce the annual fee by swiping the card consumption amount. If the cumulative consumption amount of the primary currency account in the card year reaches 200,000 yuan or its equivalent, the annual fee for the primary and secondary cards can be reduced or exempted; if the cumulative consumption of this account is 4 million yuan or its equivalent, the annual fee for the primary and secondary cards can be permanently waived. Annual fee.

4. Annual fee for Black Gold Card:

1. Charging standards

Peony Black Gold Card (UnionPay, VISA, MasterCard brands): Main card 10,000 yuan /card/year; supplementary card 5,000 yuan/card/year;

Peony Express Centurion Black Gold Card: main card 36,888 yuan/card/year; supplementary card 8,888 yuan/card/year

2. Annual fee-free policy:

The annual fee is rigid and cannot be reduced or reduced.

That’s it for the introduction to why supplementary credit cards are charged.