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

1. Long Card IC Credit Card:

The annual fee for the Long Card IC regular card is 80 yuan per year. Cardholders can enjoy the annual fee-free policy in the first year. If you swipe the card to make purchases or withdraw cash more than 3 times, the annual fee for the next year will be waived. The annual fee for Dragon Card IC Gold Card and Silver Card is 160 yuan/year, and the annual fee exemption conditions are the same as 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. Their annual fees are 580 yuan/year, respectively. 1,800 yuan/year, 5,800 yuan/year. Among them, the CCB Dragon Card Standard Edition can be exempted from the annual fee for the next year by swiping the card more than 18 times. In addition, other Dragon Card IC Platinum Credit Cards are not exempt from the annual fee.

Annual fee standards for other card types:

Business card: 200 yuan/card for gold card, 100 yuan/card for ordinary card

Collected in advance on an annual basis. No refund after collection

Personal Gold Card (and China Eastern Dragon Silver Card): 160 yuan/card for main card, 80 yuan/card for supplementary card

Personal ordinary card: 80 yuan for main card RMB/card, supplementary card 40 yuan/card

Longka car card: main card 200 yuan/card, supplementary card 100 yuan/card extended information

Credit card annual fee rules refer to credit card There are some corresponding regulations on annual payment. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder.

In fact, for most cardholders, the level of the annual fee is not a problem. The key is whether the annual fee-free target is easy to achieve. From the survey, we found that most credit card centers have not adjusted the original annual fee exemption standards, and only a few have raised them.

Since August 2013, most credit cards can waive the first-year annual fee, and then the annual fee can be reduced by swiping the card a certain number of times or reaching a certain amount. The standard cards with relatively low standards are the standard cards of China Construction Bank and Everbright Bank. As long as the cardholder swipes the card three times a year, the annual fee for the next year can be waived.

Among them, the main and supplementary cards of Everbright Credit Card can also be combined with the cumulative number of credit card swipes. That is, the main card and the supplementary card can be exempted from the annual fee if they are swiped 3 times in one ***.

Bank of Communications's annual fee-free policy is to waive annual fees in the first year, and to waive annual fees for the following year if the card is swiped 6 times in a year (no limit on the amount). The number of card swipes for the main card and supplementary card can be combined for calculation. However, the Credit Card Center may introduce new annual fee standards, which will be announced on the Credit Card Center website and cardholders will also receive corresponding notifications. If the annual fee exemption policy changes, cardholders should not forget to adjust their card swiping strategies.

The annual fee-free policy of Shanghai Pudong Development Bank is quite special. Cardholders of standard cards, gold cards, and some platinum cards (points acceleration, simple platinum) can be exempted from the annual fee for the following year by swiping the card 6 times. Standard Platinum Cards and co-branded cards require 30,000 points to waive the annual fee for the next year. (1 yuan spent earns 1 point)

Minsheng Bank and Shenzhen Development Bank have relatively high annual fee exemption standards. The former requires the cardholder to swipe the card 8 times in a year to be exempted from the annual fee for the next year, while the latter raises the standard to 18 times. Moreover, both credit card centers stipulate that the main card and the supplementary card need to calculate the number of card swipes separately. There is no need for any card. If you meet the standards, you need to pay the corresponding annual fee.

China Construction Bank-Announcement on Changes in the Annual Fee Preferential Policy for Standard Platinum Card Series Products