The revolving interest rate of CITIC Bank credit card is 0.5%. During the use of the credit card, interest is charged in the following situations:

1. Overdraft consumption must be repaid within the interest-free period. No interest is charged. CITIC Bank credit card holders do not need to pay interest for non-cash transactions if they repay the entire amount within the interest-free repayment period.

2. If the overdraft is not repaid in full within the interest-free period, interest of 0.5% will be charged. If CITIC Bank credit card holders fail to repay in full before the repayment due date, they shall pay overdraft interest on the entire overdraft amount from the recording date to the repayment date, and the overdraft will be charged at a daily interest rate of 0.05%. Interest is calculated and compounded monthly.

3. Overdraft cash withdrawals do not enjoy the interest-free repayment period. Cardholders must pay a handling fee when withdrawing cash by credit card and do not enjoy the interest-free repayment period. Interest will be charged at a daily interest rate of 5/10,000 from the bank accounting date until the repayment date, and compound interest will be charged monthly.