Does the subject want to ask "what is the annual interest rate of China Merchants Credit Card"? 4.35%, 4.75% and 4.9%.

1. According to official website of China Merchants Bank, the annual interest rate within 1 year (inclusive) is 4.35%.

2. 1 to 5 years (including 5 years) the annual interest rate is 4.75%.

3. The annual interest rate for 5 to 30 years (including 30 years) is 4.9%.