List of 15 bank credit cards with lifetime annual fee exemption for credit cards
1. Industrial Bank:
If you apply for a large or small card during the promotion period, you will have lifetime annual fee exemption , there are also Tianjin Friendship Shopping Center Gold Card VIP members and super VIP members who successfully apply for Tianjin Friendship Co-branded Credit Card and directly enjoy lifetime annual fee exemption.
2. Industrial and Commercial Bank of China:
The cumulative consumption points of Peony Platinum Credit Card reach 4 million points. As long as other credit cards are used for ten years, annual fees will be waived for life.
3. China Construction Bank:
Red Cross co-branded card and business card
4. China Merchants Bank:
Samsung and Olympic Games VISA Small Card
These two cards are also free of annual fees for life. Unfortunately, the small card is a US dollar single-currency card.
5. China Everbright Bank:
Beijing Housing Maintenance Fund Card
6. Pudong Development Bank:
McDull Card
7. Shanghai Bank:
Zhu Xing Except for the Yun and Xinya series cards, all other cards are permanently exempt from annual fees. However, if the "Xingyun" series credit card is used 6 times in the first year and the "Xinya" series is used once, the annual fee will be waived for life.
8. Shenzhen Fa Bank:
Shanghai Youth Card
If the cardholder chooses to use the credit card function, and is a full-time student and is approved by the Youth League Committee The bank waives annual fees for identified extremely poor youths and outstanding youths. If you choose the debit card function, no annual fees will be charged;
9. Bank of Communications:
10. Agricultural Bank of China:
11. China CITIC Bank:
12. Hua Xia Bank:
If you pay the first-year annual fee of 700 yuan, you will be exempted from the lifetime annual fee.
13. Postal Savings Bank of China:
14. Bank of China:
15. Bank of Ningbo:
Permanent annual fee exemption What are the credit cards? These cards are worth a look
Credit cards generally charge annual fees. Most regular cards charge 50 yuan/year, and gold cards charge 100 yuan/year. Sometimes banks waive the annual fee in the first year in order to promote sales. , or there is no annual fee for making 6 purchases. There are also some credit cards that are permanently free of annual fees, which is a lot of benefits. What are the credit cards that are permanently free of annual fees? Let’s find out together!
Credit card with permanent annual fee exemption
1. Industrial Bank Mastercard Champions League Platinum Credit Card (Elite Edition)
This card has no annual fee within the validity period. It is suitable for people who often go abroad, because there is no foreign transaction and exchange fee, and there is also 10 million public traffic accident insurance and happy travel insurance. The application conditions are relatively simple. You must be over 18 years old and have a stable source of income. , good credit, easy to apply.
2. Everbright Douyin Co-branded Card Titanium Card
This card is also free of annual fees during the validity period. If you often go to Starbucks or use Ele.me a lot, you may consider this card. Get a card, because it has a discount of 20 off for purchases over 40 years old at Starbucks. Selected brands on Ele.me can get 20 off for purchases over 30 years old. It is very affordable if you use it a lot. It is not difficult to apply. You must be 18 years old or above. If you have a stable income and good credit, you can give it a try.
3. Shanghai Pudong Development Bank Ning Zetao Youth Credit Card Gold Card
This card is permanently free of annual fees, and can achieve 100% cash withdrawal, and the installment fee can also be reduced to nine Discount, but there are certain conditions for application. You need to be under 40 years old. There are also academic requirements. You need a full-time undergraduate degree or above. If you graduate from a foreign institution, you also need to provide a degree certificate.
4. Agricultural Bank of China’s Ranmeng Series Credit Card
The Agricultural Bank of China’s Ranmeng Credit Card is a platinum-level credit card with no annual fee within the validity period. One special feature of this card is that it Interest will be settled on deposits. During its interest settlement cycle, if the average daily deposit balance in the card is more than 1,000 yuan, interest will be settled based on the current deposit interest rate.
There are certainly many credit cards with permanent annual fee exemptions, and the application conditions of each bank are different. If you don’t want to calculate the number of card swipes or the amount to avoid annual fees, then it is best to directly apply for a credit card with permanent annual fee exemption.
Which Everbright Bank credit cards are exempt from annual fees
1. Lifetime annual fee exemption: Vipshop co-branded credit card, Everbright Taopiao Piao Doll co-branded card, Everbright NetEase Kaola Overseas Shopping Co-branded card, Everbright Big and Small Q Card Blue Starry Sky, Yidian Information Co-branded Credit Card Gold Card (have money and willful), Everbright Tutu Little Pink Card/Little Blue Card, Everbright Big and Small Q Card Pink Dream, Everbright Fantasy Westward Journey Credit Card Gold Card, Everbright Grid Walla co-branded card, Everbright green zero-carbon credit card.
2. The annual fee for the first year is waived, and the annual fee for the following year is waived for 3 transactions in the current year: BDUCK Little Yellow Duck Child's Dream Theme Card, BDUCK Little Yellow Duck Theme Card Year of the Dog Zodiac Husky Edition, BDUCK Little Yellow Duck themed card, buffy version of the Year of the Dog zodiac.
3. Everbright Lucky Cat themed credit card (or get free for the next year if you spend over 2,000 yuan), fashionable COSMO co-branded credit card, Everbright Marie Claire perfume credit card, Everbright Securities Fuzun co-branded card, Everbright Sohu video co-branded credit card gold card , Everbright Bank Basketball Little Black Card, Fu Credit Card, Everbright Fu Credit Card Gold Card, Everbright Yanhuang Credit Card Gold Card.
4. The annual fee for the first year is waived, and the annual fee for the following year is waived for 6 transactions in the current year: Sunshine Yiren Titanium International Credit Card, Everbright Elite Credit Card.
Extended information
Annual fee deduction process:
1. Points deduction validity period:
You can specify the validity period in the table below Please call our 7×24-hour global VIP service hotline 4008-111-333 to apply for points to deduct the annual fee. Applications outside the validity period cannot be deducted.
2. How to apply for points deduction
1. Call the 724-hour global VIP service hotline 4008-111-333 to apply for points deduction for the annual fee.
Annual fee standards
1. The annual fee policies of most banks have not changed. Generally, the annual fee for standard credit cards is about 100 yuan, while the annual fee for gold cards is generally 200 yuan. yuan or 300 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.
2. However, the annual fee standards for credit cards of various banks will vary depending on the card. For example, the annual fee for Shanghai Pudong Development Bank's standard credit card is 180 yuan for the main card and 90 yuan for the supplementary card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the supplementary card; and the annual fee for the Pudong Development Bank Shanghai Airlines co-branded card is 360 yuan.
3. As for the Shanghai Pudong Development McDull series of credit cards, it even shows the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.
Annual fee exemption rules
1. If you apply for a card and don’t use it, you will have to pay the annual fee. This is certainly not cost-effective. However, the annual fee-free rules vary among different banks, making it easy for cardholders to incur annual fees unintentionally.
2. Cardholders generally believe that credit card agencies adopt the practice of waiving annual fees in the first year and waiving annual fees in the following year if the card reaches a certain standard, but this is not the case for all cards. For example, ICBC credit cards do not waive annual fees in the first year. Instead, they need to swipe the card a total of 5 times or spend more than 5,000 yuan to be exempted from the annual fee. China CITIC Bank stipulates that only swiping the card once in the first month after the card is issued can be exempted from the annual fee in the first year. .
Type introduction
1. Business and travel credit cards. This type of credit card is mainly issued by the unit, which can help the unit improve the management of travel expenses and facilitate employees to reimburse business trip expenses. At the same time, the unit can also provide cardholders with a higher consumption limit guarantee. This kind of credit card also generally has the functions of lifetime annual fee exemption, free aviation accident insurance and 48-hour card loss protection.
3. Official credit cards, central budget unit official credit cards, sunshine business travel credit cards, and Shaanxi provincial budget unit official credit cards all belong to this type of credit card.
4. Sports credit card. This type of credit card is sports-themed, and its main function is either to provide convenience in purchasing tickets for certain sports events, or to play sports at cooperative venues at preferential prices. The main function of the Formula Racing Credit Card is to facilitate watching various racing events and purchasing Shanghai International Circuit souvenirs at preferential prices.
5. UnionPay golf credit card holders can play golf at partner courses at a 30-40% off visitor price. The sports-themed credit card has no special functions. Its main features are the novel card surface and vertical design. It uses the Chinese calligraphy "Dreams Come True" as the main pattern, reflecting the humanistic concept of "Chinese people run the Olympics". The main function of VISA Olympic-themed credit card is to facilitate the purchase of Olympic tickets.
6. Charitable credit cards. This type of credit card is usually themed around a charity event. China Everbright Bank will make donations to the charity event based on the cardholder's card application or card consumption. The characteristic of the Mother's Water Cellar-Love Credit Card is that Everbright Bank will donate one thousandth of the card consumption to the "Love of the Earth: Mother's Water Cellar" public welfare activity.
7. The characteristic of Wuhan Hope Credit Card is that for every successfully issued card, China Everbright Bank will donate 20 yuan to the Wuhan Youth Development Foundation; every time the cardholder swipes the card to make a purchase, China Everbright Bank will donate 20 yuan to the fund. Donate 0.1 yuan.
8. Car/gas credit card. China Everbright Bank does not issue a true car/gas credit card. The Everbright/Wanxing co-branded credit card is only issued in Shanghai and can be used as a membership card of Shanghai Wanxing Automobile Company to enjoy car sales, insurance and other services provided by the company.
9.: Baidu Encyclopedia-Big/Anbang Club co-branded credit card can be used as a membership card of Anbang Club to enjoy preferential services such as car purchase installments, rescue, car insurance, car repair, beauty, modification and other preferential services.
Reference material: Baidu Encyclopedia - China Everbright Bank Credit Card
That’s it for the introduction of free credit cards.