For example, the supplementary card of a credit card is generally prepared for immediate family members in order to facilitate the cardholder to use the credit card. However, many people often have many questions when using credit card supplementary cards, because they don't know much about it. For example, is there an annual fee for credit card supplementary cards? How to avoid the annual fee of supplementary credit card? I will answer your question today.

Is there an annual fee for supplementary credit cards?

Whether the secondary card of a credit card has an annual fee depends on the regulations of the bank to which the card belongs or the card type of its main card. However, affiliated credit cards generally have an annual fee, which is generally about half of the annual fee of the main credit card.

Of course, some banks charge extra annual fees for credit card supplementary cards, while some credit card platinum supplementary cards are still free of annual fees.

How to avoid the annual fee of supplementary credit card?

1. Credit card annual fee free policy:

Generally, the annual fee reduction of credit cards will vary according to the grade of credit cards. For example, credit cards, ordinary cards and gold cards can generally be exempted from the annual fee for the first year and the annual fee for the next year; Platinum card, the annual fee is generally rigid, and can be redeemed with points at most.

In terms of annual fee exemption, most banks generally can waive the annual fee if the number of swipes is enough, and there is no requirement for the amount of swipes. Some banks, such as Shanghai Pudong Development Bank, have to pay more than 5,000 yuan to avoid annual fees.

2. Credit card supplementary card free annual fee policy:

Except for a few supplementary cards free of annual fee, the annual fee reduction and exemption methods of other supplementary credit cards are basically the same as those of the main credit card, and the annual fee is free by swiping the card.

Generally speaking, if the main credit card needs to be swiped enough times or amount to avoid the annual fee, then the supplementary credit card needs to be swiped enough times or amount to avoid the annual fee.

Is there an annual fee for supplementary credit cards? How to avoid the annual fee for credit card supplementary cards? "The answer. Credit card supplementary cards generally have an annual fee, which is generally half of the annual fee of the main card. As for how to reduce the annual fee, it is generally the same as the main card. Of course, some supplementary cards do not need annual fees, or some credit cards themselves are free of annual fees.