Acceptance criteria: main card 900 yuan/card, auxiliary card 600 yuan/card. Exemption and exemption conditions: If any amount of installment payment is completed in this year, the annual fee of the main card can be deducted by 6.5438+0.5 million points, and the annual fee of the auxiliary card can also be deducted by 6.5438+0.5 million points.
Bank annual fee policy:
The annual fee-free policy of Bank of Communications is the annual fee-free policy in the first year, and the annual fee-free policy in the next year if you swipe your card six times in one year (unlimited amount). The swipe times of the main card and the auxiliary card can be calculated together. However, the credit card center may introduce a new annual fee standard, which will be published on the website of the credit card center and inform cardholders accordingly. If the annual fee-free policy changes, cardholders should not forget to adjust their credit card strategy.
The annual fee-free policy of Shanghai Pudong Development Bank is quite special. Cardholders of standard Capka, gold card and some platinum cards (accelerated points and simple platinum) will be exempted from the annual fee for the following year by swiping their cards six times. Standard platinum cards and co-branded cards need to earn 30,000 points to avoid the annual fee for the following year. (Consumption 1 meta-product 1 points)
Minsheng Bank and Shenzhen Development Bank have relatively high annual fee-free standards. The former requires cardholders to swipe their cards eight times a year to avoid the annual fee of the following year, while the latter raises the standard to 18 times. Moreover, both credit card centers stipulate that the number of swipes of the main card and the auxiliary card should be calculated separately, and any card that fails to meet the standard needs to pay the corresponding annual fee.
In the annual fee-free policy of banks, the words "the first year" and "the second year" are generally involved, but the timing start time of each bank is different. Some banks, such as China Construction Bank and China Guangfa Bank, are exempt from the annual fee from the cardholder's card opening date to the second day of the following year, while some banks start from the card verification date or card making date, and then the annual fee amount is reflected in the bill of the month of the card verification date or card making date, such as Bank of Communications and China Merchants Bank. In the latter case, if the cardholder does not use the card in the first year after applying for a credit card, and opens the card in the second year, it is likely that the annual fee will be charged directly, because according to the bank's timing rules, the cardholder's "first year" does not reach the number of swipes or the amount of swipes.
How many times does the credit card of Shanghai Pudong Development Bank waive the annual fee?
Swipe the card six times.
The credit card of Shanghai Pudong Development Bank can be exempted from the annual fee directly in the first year, and it can be exempted from the annual fee for the following year after swiping the card for more than 6 times a year (unlimited amount). Among them, online payment is included in the number of credit card swipes. In addition, the first year means that within the first 12 month of card issuance, the card is not activated in the first year or the number of swipes is not enough, and the annual fee is charged on the billing date of the first 13 month.
Extended data:
If the credit card of Shanghai Pudong Development Bank is not activated, there is no annual fee. After successful activation, the annual fee is generally free in the first year, and the fee will be charged from the second year of activation.
The charging standards are as follows:
1. Puka:
The annual fee of the main card is 180 yuan, and the supplementary card is in 90 yuan every year.
2. Gold card:
The annual fee of the main card is 360 yuan, and the annual fee of the auxiliary card is 180 yuan.
3. Platinum card and above:
The annual fee is 3600 yuan from 360 yuan and 680 yuan, depending on the type of card.