Which bank has the lowest annual fee for the platinum credit card?

High-end cards from major banks can enjoy top-notch services and great discounts. In many places, the benefits are much better than ordinary cards. However, the annual fee is also a level higher. The specific standards of each bank are different. , to sum up, they are basically above a thousand yuan.

The annual fee for the Platinum Card of Shanghai Pudong Development Bank and Hua Xia Bank is 680 yuan, which is the lowest among the 10 banks. The annual fee for other banks is more than 1,000 yuan, among which the annual fee for Bank of Communications Platinum Card is 1,000 yuan/card; the annual fee for China Construction Bank Platinum Card is 1,800 yuan/card; the annual fee for ICBC Platinum Card is 2,000 yuan/card; and the annual fee for Guangfa Bank Platinum Card is 2,500 yuan/card. Card; Agricultural Bank of China Platinum Card has an annual fee of 3,000 yuan/card; Bank of China Platinum Card has an annual fee of 3,600 yuan/card; China Merchants Bank Platinum Card has an annual fee of 3,600 yuan/card; CITIC Bank Private Bank Platinum Credit Card has an annual fee of 6,800 yuan/card.

In addition, the annual fees for high-end credit cards can even reach tens of thousands of yuan. The annual fee for ICBC American Express Centurion Black Gold Card is even as high as 10,000 yuan per card, and the annual fee for China Construction Bank’s Global Supreme Card is as high as 10,000 yuan per card.

In order to encourage card applications, banks will waive the annual fee for the first year, but the annual fee for the next year will need to be reduced based on the number of card swipes. It is important for cardholders to understand these rules to avoid paying high annual credit card fees.

Reminder: Some high-level credit cards have strict annual fee-free policies, so cardholders need to be very careful. For example, if you have a platinum card, you have to pay it 20 times and the amount exceeds 80,000 yuan to be exempted from the annual fee.

What are the benefits of CCB credit cards? The annual fees are low

Although the credit cards of the four major state-owned banks have been widely criticized by card friends because of their relatively high application threshold, they have some credit card The advantages are something we cannot ignore. CCB has been developing credit card business for many years. Its card types are rich and some of its special rights are very exciting. Today I want to introduce to you the benefits of CCB credit card.

The application threshold is low. This is the first point to mention among the benefits of CCB's credit card. Compared with the high thresholds of the other three state-owned banks, Bank of China, Agricultural Bank of China, and ICBC, CCB's application threshold can be said to be basically the same as that of various commercial banks, and will not be the same at all. Sorry for all the card friends.

1. Many outlets. CCB has many branches not only in big cities, but also in rural areas and county towns, which greatly facilitates people's handling of credit card-related businesses.

2. All types of handling fees are low. If you ask about the benefits of CCB credit cards, the most obvious one is saving money. The CCB credit card not only waives the annual fee for the first year, but also waives the annual fee for the following year by swiping it three times. In addition, the text message service of CCB credit card is still free, and the cash withdrawal fee is only as low as 50 yuan for reporting a loss.

3. Credit card benefits are generous. The various benefits of credit cards are the most important criterion for comparing the benefits of credit cards. If you use a CCB credit card for installment payment, the credit limit will not be occupied.

In addition to the above mentioned, CCB credit cards also have credit cards directly targeted at car owners. Anyone with a car with a displacement or above can easily apply for the card.

Which bank has the lowest annual credit card fee?

Compared with debit cards, the annual fees and maintenance fees of credit cards are much higher. The specific standards of each bank are different. The lowest is 40 yuan per year from China Guangfa Bank, and the highest is from Shanghai Pudong Development Bank. The bank price was actually 180 yuan, a total difference of 140 yuan.

The annual fee for most bank debit cards is 10 yuan/card, but the minimum annual fee for credit cards is 40 yuan/card. Specifically, the minimum annual fee for China Guangfa Bank is 40 yuan/card; the minimum annual fee for ICBC general cards is 50 yuan/card; the minimum annual fee for general cards of Agricultural Bank of China, Bank of Communications, and China Construction Bank is 80 yuan/card; Bank of China, China CITIC Bank, and Hua Xia Bank The ordinary card of China Merchants Bank is 100 yuan/card. Notice that among them, Shanghai Pudong Development Bank has the highest annual fee for ordinary cards, which is 180 yuan/card, which is 140 yuan different from Guangfa Bank, which has the lowest.

Reminder: Some banks will send text messages one month before charging the annual fee to remind cardholders of the conditions for exempting the annual fee. For example, it takes several swipes to waive the annual fee of the credit card. Cardholders need to pay close attention. Mobile phone text message reminder.

What is the typical annual fee for a credit card? Which credit card has the lowest annual fee?

Both regular cards and gold cards can be used to make purchases without annual fees. For example, if you swipe the CCB credit card three times, the ICBC credit card swipe five times, and the transportation and investment credit card swipe six times, the annual fee for the next year will be waived. The annual fee for a regular card usually ranges from tens to hundreds, while the annual fee for a gold card is two to three hundred. The higher level is the platinum card.

The annual fees for such cards range from a few thousand yuan to tens of thousands of yuan. Some of them can be exempted from the annual fee by swiping points, such as Pudong Development Bank AE White, China Merchants Bank Classic White; some annual fees are rigid and must be paid

In the high-end atmosphere, such as the Black Gold Card, Unlimited Card, Centurion Card... I have only heard of these cards but never seen them before! How much is the annual fee and how is it charged? I'm a hen

Generally, the most common cards we ordinary people can get are regular cards and gold cards, which are very easy. Of course, you can get a platinum card if you work hard. Cards like unlimited cards,

1. Annual fee preferential policies of some banks:

Bank of China, Agricultural Bank of China, Industrial Bank credit cards: waived in the first year, and the card is used up within one year 5 times free of annual fees for the next year.

ICBC Credit Card: If you swipe the card 5 times within a year, the annual fee for that year will be waived.

China Construction Bank Credit Card: Waived in the first year. If you swipe the card 3 times within a year, the annual fee will be waived in the following year.

Bank of Communications Credit Card: Annual fee is waived in the first year, and the annual fee for the next year can be waived by swiping the card six times each year (Bank of Communications Platinum Credit Card does not have an annual fee waiver policy).

China Merchants Bank Credit Card: Waived in the first year. If you swipe the card 6 times within a year, the annual fee will be waived in the following year.

CITIC Bank Credit Card: If you swipe the card once within 1 month after activation, the annual fee for the current year will be waived. If you swipe the card 5 times within a year, the annual fee for the next year will be waived.

2. Annual fee standards for credit cards of different levels

The level of credit cards issued by banks has a great influence on the level of annual fees. According to the annual fee policies of each bank, the annual fee for a standard credit card is generally around 100 yuan, while the annual fee for a gold card is generally 200 yuan or 300 yuan. In addition, the annual fee of a single-currency card is lower than that of a dual-currency card, and the annual fee of an additional card is generally half the annual fee of the main card. Of course, some banks also implement a policy of 80 yuan for regular cards and 160 yuan for gold cards, such as the Bank of Communications credit card. The annual fee for the Bank of Communications credit card RMB single-currency card is 80 yuan, and the gold card is 160 yuan; the annual fee for the dual-currency card is 140 yuan, and the gold card is 200 yuan.

3. Credit card with no annual fee for life

How much is the annual fee for a credit card?

Different card-issuing banks have different annual fees; credit card types and levels are different. The annual fee charging standards are also different.

Annual fee for regular card, gold card and platinum card:

Generally, the annual fee for regular card is 100-150 yuan; the annual fee for gold card is 300-500 yuan, and the annual fee for platinum card is 300-500 yuan. The annual card fee is often more than 1,000 yuan. Data shows that the average annual fee of ICBC's gold card and regular card is the lowest, with an average annual fee of about 100 yuan; the average annual fee of Shanghai Pudong Development Bank's gold card and regular card is higher, about 150 yuan higher than that of ICBC. Normally, the annual fees for regular and gold cards of major banks range from tens to hundreds of yuan.

The detailed annual fees of each bank are as follows:

1. Bank of Communications

Dual Currency Card: 140/70 Gold Card: 200/100

RMB Card: 80/40 Gold Card: 120/60

2. Industrial and Commercial Bank of China

Dual Currency Card: 100/50 Gold Card: 200 /10

RMB card: 50/25 Gold card: 100/50

Standard credit card: 50/25

3. Agriculture Bank

Dual Currency Card: 100/50 Gold Card: 200/100

RMB Card: 80/40 Gold Card: 160/80

4. China CITIC Bank

Dual Currency Card Gold Card: 300/150

RMB Card: 100/50 Gold Card: 200/100

5 .Ping An Bank

Standard credit card, insurance credit card: 100/50 Gold card: 300/150

6. China Guangfa Bank

RMB card 40/30

Dual currency card 90/45

7. China Merchants Bank

General card: 100/50 Gold card: 300/150 VISAMINI card: 150/75

8. Everbright Bank

Regular Card: 80/40 Gold Card: 200/80

9. Minsheng Bank

Regular Card: 100 /50 Gold Card: 300/150 Standard Platinum Card: 600/300

10. China Construction Bank

Regular Card: 80/40 Gold Card, Silver Card: 160/80 Standard Platinum Card: 580/300

Does the regular credit card have an annual fee? The annual fee is lower than the gold card

Whether it is a regular credit card, a gold card or a platinum card, banks will charge different fees. The card sets a stipulated annual fee charging standard. Even if it is a low-level credit card, it still has an annual fee, but the annual fee is relatively small, and it is easy to meet the annual fee-free requirements.

There is an annual fee for regular credit cards

Different banks implement different annual fee policies for credit cards, but generally the annual fee for regular credit cards is 100 yuan/year, while the annual fee for gold cards is relatively high , which is 200 yuan/year or 300 yuan/year. In addition, if divided by the credit card currency, the annual fee of the single-currency ordinary card is lower than that of the dual-currency ordinary card; if divided by the difference of credit card affiliation, the annual fee of the supplementary card is lower than the annual fee of the main card.

Different credit card types have different annual fee charging standards. For example, the annual fee for Shanghai Pudong Development Bank's standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the standard credit card of Ping An Bank is 180 yuan for the main card. The card is 100 yuan, and the additional card is 80 yuan; the annual fee for the China Construction Bank regular card is 80 yuan for the main card, and the additional card is 40 yuan.

Credit Card Annual Fee Discount Standards

Although credit cards have annual fees, in order to encourage cardholders to use their cards for consumption, banks generally formulate preferential policies that waive annual fees. The first-year annual fee for many common credit cards can be directly reduced, and the annual fee for the following year can be offset by the number of card swipes or credit card points.

Is there an annual fee for regular credit cards? Of course there is. However, because the annual fee reduction discount for ordinary cards is easy to reach the standard, it is ignored by many people. However, if you do not use the card for a long time, it is very likely that the annual fee will become the killer of your overdue credit card. General credit card application

This concludes the introduction of credit cards with low annual fees and credit cards with low annual fees and high credit limits. I wonder if you found the information you need?