I applied for a Bank of Communications credit card online and sent two copies, one in RMB and one in U.S. dollars. The limit was mainly in RMB. The limit of the other U.S. dollar card was roughly set in U.S. dollars based on the current exchange rate. , the annual fee is only calculated for one card.
Because the country does not allow the existence of dual-currency cards, now there is a UnionPay card and a foreign currency card. Gold cards and regular cards can be exempted from annual fees by swiping five or six times (no limit on amount). Platinum cards can also be exempted from most platinum cards by swiping the number of times or the amount. A small number of them are not exempt from annual fees.
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; as for the Pudong Development McDull series The credit card has no annual fee for life.
Extended information:
Disguised annual fee
Card holders need to pay attention when looking for a free lunch, although some bank credit cards claim to be free of annual fees for life. , but before you can enjoy the annual fee exemption, you still need to pay a certain amount of "entry fee". For example, for the WOW card of Shanghai Pudong Development Bank, you need to pay a "entry fee" of 260 yuan to be exempted from the annual fee.
China Merchants Bank’s ANA CARD credit card is free of annual fees for life, but the bank will charge membership fees on behalf of ANA, which is 650 yuan/year for the main card and 325 yuan/year for the supplementary card.
In fact, consumers do not necessarily have to choose a credit card with lifetime annual fee exemption. Choosing a credit card that suits them and using it rationally can also avoid unnecessary fees.
Baidu Encyclopedia - Credit Card
Baidu Encyclopedia - Credit Card Annual Fee Rules