Hello, the annual fee is calculated based on 2 cards. If you do not open a card, there will be no annual fee.

The annual fee for a China Merchants Bank credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, the previous date is the issuance date), not the calendar year. If you successfully apply for a China Merchants Bank credit card (except unlimited card/platinum card/business card/ANA co-branded card/VISA MINI card/MSN MINI card/VOGUE titanium card/HELLOKITTY fan gold card/MISS KITTY perfume credit card), the annual fee for the first year The advance payment is exempted for you by China Merchants Bank credit card or partners. Within the validity period of your card for a full year (from the card issuance date, not a natural year), you can enjoy the exemption if you make 6 purchases (amount and form are not limited) with a single card. There is an annual fee for the card. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time.

Our bank's credit card repayments are calculated based on accounts. When repaying, you can pay any one of them.

If you have other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.