Users of Minsheng Bank can reduce the annual fee of 300 yuan by swiping their cards, but there is no limit on the consumption amount. If you swipe your card within 2 months, you can reduce the annual fee for the first year; If you spend 5 transactions or transactions 1 transaction in the current year, you can reduce the annual fee for the following year.
China Minsheng Bank (CMBC) is the first national joint-stock commercial bank initiated by private enterprises. June199665438+1October 12 was formally established.
scope of business
The business scope of Minsheng Bank
(1) Absorbing public deposits; (2) Short-term, medium-term and long-term loans; (3) Handling domestic and international settlement; (4) Handling bill acceptance and discount; (5) Issuing financial bonds. (6) Acting as an agent to issue, honor and underwrite government bonds; (7) buying and selling government bonds and financial bonds; (eight) engaged in interbank lending; (9) Acting as an agent for buying and selling foreign exchange; (ten) engaged in bank card business; (eleven) to provide letter of credit services and guarantees; (12) Agency payment and insurance agency business; (thirteen) to provide safe deposit box services; (14) Other businesses approved by the State Council Banking Regulatory Authority. With the approval of the People's Bank of China, it can engage in foreign exchange settlement and sale.
main business
I. Corporate banking sector: covering institutional business, investment banking business, transaction banking business and supply chain finance business.
II. Retail banking sector: covering micro-finance business, credit card business, private banking business and community finance business.
III. Financial market sector: investment business, interbank business, custody business, wealth management business, precious metals and foreign exchange trading business.
IV. Network finance sector: Minsheng Bank continuously innovated the "three major banks" of online banking, mobile banking and WeChat banking, as well as the "four major platforms" of bank-enterprise direct connection platform, online payment platform, digital operation platform and open banking service platform.
Fifth, technology and finance: Minsheng Bank focuses on building a cash management product system for retail customers, a full range of trade financing products, a new supply chain "E" series product system, a digital marketing management and operation platform, a product center shelf, an intelligent marketing platform, an intelligent collection platform, a mobile financial platform and internet joint loan products, as well as a "Minsheng Peer E Platform" and a "Peer E Platform" for peer customers.
At the same time, we will focus on the construction of "zero contact" online service system, "5G mobile banking", enterprise remote banking, "cloud witness" and "cloud signing" services, build an Internet security protection framework covering the head office, branches and subsidiaries, and improve the refined operation ability, decision-making ability and information technology risk management ability.
Sixth, integrated operation: Minsheng Bank is committed to the development of collectivization, diversification and integration, and continues to promote the coordination of integrated services within and between parent and subsidiary companies, the business coordination between parent bank and subsidiary companies, the construction of scientific and effective group management and control system, the optimization of performance appraisal and resource allocation schemes of subsidiaries, the construction of subsidiary system platforms, and the continuous improvement of the Group's service ability to provide customers with integrated financial solutions.
Seventh, overseas business sector: Minsheng Bank Hong Kong Branch focuses on strategic opportunities such as "Guangdong-Hong Kong-Macao Greater Bay Area" and provides professional cross-border financial solutions with the advantage of cross-border linkage with the head office; Around the capital market, investment banking businesses such as syndicated loans, M&A loans and structured financing have developed steadily.
Relying on the status of an international financial center, we will steadily expand our financial market business. By the end of June 2020, the balance of bond investment of the branch was HK$ 60.906 billion, the scale of foreign exchange transactions on behalf of customers was US$ 465.438+565.438+0 billion, and the scale of asset custody was HK$ 54.392 billion. At the same time, it adheres to the positioning of Internet light banking with online banking and mobile banking as carriers, and constantly improves the cross-border comprehensive service capability of personal wealth management, becoming one of the few Chinese-funded joint-stock commercial banks with online fund financing platform in Hong Kong market.
Is there an annual fee for Minsheng Bank credit card?
Minsheng bank credit card charges an annual fee. The annual fee is divided according to the card level, in which the annual fee of ordinary card is the lowest, the annual fee of main card 100 yuan/sub-card 50 yuan is the highest, and the annual fee of main card/sub-card is 30,000 yuan1500,000 yuan.
The specific annual fee standards are as follows:
1. Annual fee for the main card of Puka 100 yuan, and annual fee for the auxiliary card of 50 yuan; (such as Minsheng ID credit card).
2. Gold card annual fee 300 yuan, supplementary card annual fee 150 yuan; (such as Minsheng Mobile Credit Card and Bao Tong Staging Gold Card).
3. The annual fee of standard platinum card is 600 yuan as the main card and 300 yuan as the auxiliary card.
4. The annual fee for the main card of Platinum Wealth Management Card is 1.500 yuan, and the annual fee for the auxiliary card is 750 yuan.
Minsheng Credit Card Free Annual Fee Policy:
1 .jinpuka verification card swipes within 2 months. 1 The transaction is exempt from the annual fee for the first year, and the annual fee for the next year is exempted if you spend 5 transactions in the current year or 1.
2. After the standard platinum card is activated, the annual fee for 600 yuan will be charged in the first year. The annual fee for the following year can be exempted if there are valid transactions 18 transactions in the current year or effective consumption reaches 50,000 yuan or equivalent.
3. Platinum wealth management card holders (including the main card and supplementary card) can't reduce the annual fee in the first year, and the accumulated repayment amount of the bill in that year (that is, the accumulated bill in the first 12 months of the annual fee in the next year) reaches 6,543,800 yuan, and they can enjoy the annual fee exemption in the next year.
Waiting time for Minsheng credit card application
About 15 days, you will be notified by SMS after the bank has passed the examination (including approval and bank card issuance); You can call the bank customer service phone at any time to check the progress or log in to the bank official website to check the progress;
Minsheng bank transfer fee in different places
1. For inter-provincial transfer at the counter, the charging standard is: below 5.5 yuan 1 000, 1.5 yuan 1 000 to 1 000 to 500,000 to 65438+. Minsheng silver card and gold card customers are free of handling fees, and the post and telecommunications fees are half of those of ordinary cards. And diamond card customers don't charge any fees.
2. If you want to transfer money through online banking, you only need to open the online banking of Minsheng Bank Card. Ordinary cards are charged according to the electronic remittance standard of the People's Bank of China. The accumulated daily remittance amount of silver card customers is less than 500,000 yuan, and the excess amount shall be implemented according to the standard of ordinary cards. The accumulated daily amount of gold card customers is less than 6,543,800+0,000, and the excess is charged by ordinary cards. The diamond card is free and the amount is unlimited.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Minsheng bank credit card is free of annual fee for several times.
1. Minsheng Bank swipes the 1 credit card under the ordinary card and the gold card within 2 months, and the annual fee for the first year is exempted. In the current year, five or 1 cards are swiped, and the annual fee for the next year is exempted.
2. Minsheng Bank Credit Card Standard Platinum Card cannot be exempted from annual fee in the first year. The annual fee for the following year can be waived if there are 18 transactions in the current year or the effective consumption reaches 50,000 yuan or equivalent.
China Minsheng Bank (English name: ChinaMinshengBankingCorp, Ltd., CMBC for short, Minsheng Bank, Shanghai Stock Exchange: 6000 16 HKEx: 0 1988) is the first national commercial bank initiated by private capital in Chinese mainland, and its establishment time is19965438+/. The main shareholders are Liu Yonghao's New Hope Group, Zhang Hongwei's Oriental Group, Lu Zhiqiang's China Oceanwide Holding Group, China Shipowners Mutual Insurance Association represented by Wang Yugui, China Life Insurance, Shi Yuzhu and so on.
Initial course
(2007 -20 1 1 year)
In 2007, the "Five-year Development Outline" of the board of directors clearly pointed out that the development focus would be on financial services for SMEs. In the same year, the Yangtze River Delta began a pilot project of financial services for small and medium-sized enterprises.
In 2008, the finance department of industrial and commercial enterprises was established, and the first batch of small and medium-sized enterprises specialized in Shanghai, Hangzhou, Nanjing, Ningbo, Suzhou and Wenzhou. At the same time, under the guidance of regulatory agencies, actively promote the construction of six mechanisms.
In 2009, the management mode of financial services for SMEs was optimized, and the finance department of industrial and commercial enterprises was renamed as the finance department of SMEs.
On June 5438+February, 2009, with the approval of China Banking Regulatory Commission and Shanghai Banking Regulatory Bureau, the SME Finance Department of China Minsheng Bank was established, which is the first non-bank SME financial service licensed franchise institution in Shanghai.
Since then, Minsheng Bank has gradually optimized the professional mode of financial services for SMEs to the whole bank, including more than 30 branches in Yangtze River Delta, Bohai Bay, Midwest, Haixi and Pearl River Delta.
By the end of 20111,the loan balance of SME Finance Department exceeded 654.38 billion yuan, the balance of off-balance-sheet business exceeded 60 billion yuan, and the number of asset customers served exceeded 65.438 million.
Development history
(20 12 -2020)
On the basis that the loan quantity and customer scale have begun to take shape, the SME Finance Department of Minsheng Bank has entered a new stage of development. Under the guidance of the three-year plan, a clear development strategy was formulated, and a perfect sales strategy and plan was first formulated through "specialization, batch and specialization", which truly realized the "highlighting regional characteristics and implementing list sales" proposed by Chairman Dong Wenbiao, making sales easier and financing for SMEs easier.
How to reduce the annual credit card fee of Minsheng Bank?
Minsheng Bank credit card annual fee waiver measures are as follows:
1. If you make a transaction with Jinpu Card within 2 months, the first annual fee will be exempted. Five RMB transactions or 1 transactions were swiped in that year, and so on.
2. The first annual fee will be charged after the newly issued standard platinum card is activated. The card is used for 18 transaction or 50,000 yuan or its equivalent (except for special cards) in the current year, and the annual fee is free.
In addition, for credit cards with special card types and preferential annual fees, please refer to Kasai or official website for the annual fee collection policy;
According to the annual fee-free rule, only the consumption quantity is calculated, and the transaction amount is not limited.
On June 6, 2005, the credit card of China Minsheng Bank was officially issued in the Great Hall of the People. On August 1 1, 2006, China Minsheng Bank Credit Card Center was established. On June 4th, 2007, it obtained the financial license of People's Republic of China (PRC) and started its business. On September 20 13 9 15, the back office operation center (Chengdu) was established, which provided a strong operational support for the business development of the card center.
Over the years, the good business performance of Minsheng Credit Card has been recognized by all walks of life, and its brand awareness is increasing day by day. Minsheng Credit Card won a series of awards and honors: in 20 15, it won the "20 15 UnionPay Card Business Specification Advanced Award"; 20 1 1 16 10 won the "Comprehensive Demonstration Unit Award" selected by the 4th China Banking Excellent Call Center; In August of 20 17, it was awarded the "Best Innovation Project Award of China Financial Industry in 20 17" by International Data Corporation (IDC). February 20 18 was awarded "20 16-20 17 System Civilized Unit of CBRC"; 165438+ 10 month, won the "Best Consumer Digital Bank in China". 20 19 was awarded the title of "National Advanced Unit for Cultural Construction of Financial System".
By the end of March, 2020, the total number of credit cards issued by Minsheng exceeded 58 million, and all indicators remained leading in the industry.
On June 6, 20 18, the new brand slogan of Minsheng Credit Card was officially released on the third anniversary of the issuance of Minsheng Credit Card/kloc-0. "Honesty" shows that Minsheng Credit Card has inherited the way of honesty, and regards the value of honesty as the fundamental magic weapon for enterprises to stand on the market, which is in line with the brand slogan of "Treat people honestly and prosper together" of Minsheng Bank Head Office. "Longzai" expresses the vision of Minsheng Credit Card to accompany customers to create a better life, and it is also the confidence and requirement for the future development of Minsheng Credit Card.
Minsheng Credit Card Free Annual Fee Requirements
If you swipe the Minsheng Bank credit card within two months, you can get rid of the annual fee for the first year, and if you swipe the credit card five times a year, you can get rid of the annual fee for the second year.
China Minsheng Bank is a national joint-stock commercial bank mainly invested by non-public enterprises in China, which was established in 1996. The Credit Card Center of China Minsheng Bank is directly under the head office of China Minsheng Bank, headquartered in Beijing, with 35 marketing centers throughout the country and more than 5,000 employees. The first Minsheng Credit Card was publicly issued in the Great Hall of the People in Beijing on June 16, 2005.
After more than four years of development, Minsheng Credit Card has issued 7.5 million cards, which is unique in product innovation and value-added services. Among all kinds of card products, Minsheng Diamond Platinum Credit Card, Minsheng Woman Flower Credit Card, Minsheng International Student Credit Card and Minsheng VISA Olympic Credit Card are favored by cardholders. In the field of high-end customers, Minsheng Diamond Platinum Credit Card has issued more than 654.38+million cards, ranking among the best in China.
In the past four years, Minsheng Credit Card has won the Best Product Design Award in 2005, Outstanding Innovation Award of China Banking Industry in 2006-Credit Card, Best Platinum Credit Card in 2007, Outstanding Marketing Award of Credit Card in 2007, the most innovative credit card in 2007 and the most popular bank card brand among women in 2008. Li Guixian, former vice chairman of Chinese People's Political Consultative Conference, wrote inscriptions for Minsheng Credit Card successively: "Minsheng Card is for people's livelihood", "International standard, national brand", and the Minsheng brand gradually gained popularity among people.
UnionPay VIP Card is a debit card series of Minsheng, which conforms to the technical standards and business norms of banks and China UnionPay. Settlement in RMB can be used in all business outlets of the Bank and self-service channels such as self-service banking, online banking and telephone banking. It can also be used in other bank outlets where the "counter" business outlets are located, and it can also be used in China UnionPay network covering all parts of China and the whole world.
According to the service level, UnionPay VIP cards include diamond cards and gold cards. You can choose according to your own financial strength and actual needs. With UnionPay VIP Card, you can apply for Qian Shengqian, foreign exchange trading, open-end fund, self-service and tripartite depository and other rich financial services. Through personal online banking VIP version, self-service banking, telephone banking and other trading channels, you can easily meet your daily trading and financial management needs.
Minsheng credit card gold card annual fee is exempted several times.
Minsheng Bank credit card can be exempted from the annual fee in the first year if it is used once, and the annual fee in the next year can be exempted if it is used five times. The annual fee for the first year of the Platinum Card cannot be waived, and the annual fee for the next year can be waived if the credit card is used 18 times in the second year.
The annual fee of Minsheng Credit Card is 100 yuan/year, and the annual fee of the supplementary card is 50 yuan/year; The annual fee of Minsheng Credit Card Gold Card is 300 yuan/year, and the annual fee of supplementary card is 150 yuan/year; Minsheng Credit Card Standard Platinum Card has an annual fee of 600 yuan for the primary card and 300 yuan for the secondary card.
China Minsheng Bank was formally established in Beijing on [1]199665438+10/2. It is the first national joint-stock commercial bank initiated by private enterprises in China. China Minsheng Bank Credit Card Center, as a branch-level franchise institution of Minsheng Bank, was approved by China Banking Regulatory Commission on August [2], 2006, 1 1. After fourteen years' accumulation, it has become one of the leading brands in the credit card industry in China. [2] Minsheng Credit Card Center has set up 1 12 branches nationwide, with nearly 10000 employees nationwide.
First, the development process
[2] China Minsheng Bank Credit Card was officially issued to the public in the Great Hall of the People on June 16, 2005. On August, 2006 1 1, China Minsheng Bank Credit Card Center was established. On June, 4, 2007, it obtained the People's Republic of China (PRC) (PRC) financial license and began to operate with a license. On September 5, 20 13, the (Chengdu) back-office operation center was established, which provided strong operational support for the business development of the card center.
Over the years, the good business performance of Minsheng Credit Card has been recognized by all walks of life, and its brand awareness is increasing day by day. Won a series of awards and honors: 20 15 won the "20 15 unionpay card business specification advanced award"; 20 1 1 1 2006, won the "Comprehensive Demonstration Unit Award" of the 4th China Banking Excellent Customer Service Center; In August of 20 17, it was awarded the "Best Innovation Project Award of China Financial Industry in 20 17" by IDC; February 20 18 was awarded "20 16-20 17 System Civilized Unit of CBRC"; 165438+ 10 month, won the "Best Consumer Digital Bank in China"; 20 19 was awarded the title of "National Advanced Unit for Cultural Construction of Financial System".
By March 2020, the cumulative number of cards issued by Minsheng Credit Card exceeded 58 million, and all indicators continued to lead the industry.
Second, corporate culture.
The brand-new slogan of Minsheng Credit Card "Trust Always" was officially released on [2] 2065438+June 65438+June 6, 2008, namely 13 card issuing anniversary. The word "letter" shows that Minsheng Credit Card adheres to the principle of good faith and regards the values of good faith as the fundamental magic weapon for enterprises to stand on the market, which is in line with the brand slogan of "Good faith for the people and common development" of Minsheng Bank Head Office. "Chang Chang" expresses the vision of Minsheng Credit Card to accompany our customers to create a better life together, and it is also the confidence and requirement of Minsheng Credit Card for future development.
Minsheng Credit Card, as a practitioner of social responsibility, never forgets to repay the society and actively participate in public welfare undertakings in the process of development. Minsheng Credit Card actively assisted the primary schools severely affected by the "5. 12" Wenchuan earthquake and donated money to build "Minsheng Credit Card Cuizhu Hope Primary School". In the past ten years, in addition to building infrastructure for Hope Primary School in Zhu Zhu, we have also organized employees to donate books and materials from time to time, and since March 20 12, we have continuously sent outstanding employees to teach in primary schools, so as to build a bridge for children in mountainous areas to communicate with the outside world. Minsheng Credit Card effectively extends the concept of "corporate citizenship" to poverty alleviation, education, environmental protection and many other fields, and strives to become the pioneer of financial feedback to society, winning praise and affirmation from all walks of life, and creating a relaxed social environment for the realization and long-term development of enterprise market goals.
Let's talk about how to avoid the annual fee for Minsheng Credit Card.