China Construction Bank’s Dragon Card credit card annual fee policy varies according to different card types. The annual fee for the standard platinum credit card is 580 yuan/card/year for the main card and 300 yuan/card/year for the supplementary card. However, if cardholders can complete at least 10 card purchases or cash withdrawals (regardless of the amount) in a card-holding year, they can enjoy the annual fee exemption for that year.

The benefits of the Dragon Titanium Platinum Credit Card are even more attractive. The annual fee for the main card is 380 yuan/card/year, and the annual fee for the supplementary card is 180 yuan/card/year. This preferential policy will be extended to December 31, 2017. During this period, if you meet 6 consumption or cash withdrawal records per card year (also without limit), you will be exempted from the annual fee for that year.

For the revolving credit function of a credit card, that is, the credit card limit can be used repeatedly after consumption. As long as it can be repaid on the billing date, there is no need to apply before each use. In terms of interest, the interest-bearing principal of the revolving credit is based on the amount of each purchase. Interest is calculated at a daily interest rate of 0.05% from the accounting date to the repayment date. Compound interest is calculated monthly. Detailed interest will be displayed in the next bill.

The above information comes from the official instructions of China Construction Bank on the Dragon Card Platinum Credit Card. I hope it will be helpful to you in understanding the credit card fees.