The annual fee of bank card means that the bank charges a certain fee to the bank account every year, and this fee is charged once a year. The debit card annual fee is partially charged and partially cancelled, while the credit card annual fee is generally charged, and the credit card annual fee is generally higher. Therefore, when handling a bank card, users can ask whether to charge an annual fee.
For bank cards that charge annual fees, there may be preferential policies for annual fee reduction. As long as the user meets the conditions for annual fee reduction, the annual fee of the bank card can be reduced.
1. Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee in 3 yuan, 300 yuan/quarter. The same city/trading bank withdraws money from 2 yuan.
2. Agricultural Bank of China: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than that of 3 yuan/quarter. It collects the small account management fee from 300 yuan, and makes interbank withdrawals from 2 yuan (4 yuan, Guangdong) in the same city.
3. China Construction Bank: the card processing fee is 5 yuan, with an annual fee of 10 yuan/year, which is lower than the small account management fee charged by 500 yuan in 3 yuan/quarter. Moreover, this kind of account does not pay interest, and the inter-bank withdrawal in the same city is 0% of the withdrawal amount of 4 yuan +65438+.
4. Bank of China: the card swiping fee is 5 yuan, the annual fee is 10 yuan/year, and the small account management fee is not charged, and the bank in the same city withdraws 4 yuan/pen 5.
5. Bank of Communications: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter. The same city/transaction bank withdraws money from 2 yuan.
6. Postal savings: it is free to apply for a card, and the bank in the same city withdraws 2 yuan/transaction. Most provinces and cities do not charge annual fees and small account management fees.
7. China Minsheng Bank: It is free to apply for the card, with no annual fee and no small account management fee (except Shenzhen), and the first three withdrawals in the same city are free every month, and then 2 yuan/transaction.
8. China Everbright Bank: Card handling is free, with no annual fee and no small account management fee. The first three withdrawals in the same city are free every month, and the next one is in 2 yuan.
9. China CITIC Bank: Card handling is free, with no annual fee and small account management fee. The first two withdrawals in the same city are free every month, and then 2 yuan/pen.
10, Huaxia Bank: card handling is free, no annual fee, no small account management fee, and the first withdrawal in the same city 1 is free every day (note 1: every day is not every month), and then 2 yuan/transaction.
1 1. Shanghai Pudong Development Bank: It is free to apply for a card, and there is no annual fee. 2 yuan/bank withdrawal in the same city, account management fee 12 yuan/year. If the balance in the account is always above 1000 yuan, or POS swipes the card during the year, it will be exempted.