The annual fee is a fixed annual fee charged by the bank to the bank account. It is charged once a year and debited from the account. ICBC cards are divided into debit cards and credit cards according to whether they can be overdrafted: The annual fee for debit cards and Linklink cards is generally 10 yuan/card/year, please refer to the actual charge. If you meet the conditions for annual fee reduction, you can also enjoy the exemption. ICBC personal credit card gold card and regular card can be exempted from the annual fee for the current year if the cumulative card consumption is 5 times or RMB 5,000 (equivalent in foreign currency) during the card use year.
There are three types of bank card (deposit card) fees, namely production fee, annual fee and small account management fee.
1. The processing fee is the cost of processing the card. The system will automatically deduct the fee after the bank card is deposited.
2. The annual fee is charged once a year. The annual fee is generally 10 yuan.
3. Small account management fees are charged quarterly.
Under normal circumstances, if the average daily balance of a bank card is lower than the amount stipulated by the bank, and if the amount is higher than the amount stipulated by the bank, no fees will be charged. The charging standard shall be determined by the bank. In addition, text message reminders are charged, divided into monthly and annual. Each bank has different charging standards, and the charging standards are determined by the bank.
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The annual fee standards are divided as follows:
1. If the user holds a platinum card: the annual fee for the main platinum card is 2,000 yuan/year; for the secondary card 1,000 yuan/year.
2． The annual fee for the main card of ICBC Express Centurion Platinum Card is 3,600 yuan/year, and the annual fee for the supplementary card is waived.
3. Quasi-credit card annual fee for personal cards: primary card: 25 yuan/year; supplementary card: 12.5 yuan/year.
4. Gold Card: Annual fee for ICBC dual-currency and multi-currency card: 200 yuan/year for primary card; 100 yuan/year for supplementary card; annual fee for single-currency credit card: 100 yuan/year for primary card; 50 yuan/year for supplementary card.
5． If it is the Peony quasi credit card launched by ICBC, the annual fee for a personal card is 50 yuan/year for the main card and 25 yuan/year for the supplementary card.
6． If it is just an ordinary credit card, the annual fee for the ICBC dual-currency multi-currency card is: 100 yuan/year for the main card; 50 yuan/year for the supplementary card; the annual fee for a single-currency credit card: 50 yuan/year for the main card; 25 yuan/year for the supplementary card
Reminder:
1. If the credit card, personal gold card, or ordinary card is returned after consumption, it will affect the accumulated annual fee-free consumption amount and number of times at the original exchange office;
2. The above annual fee does not include high-end cards, business cards and personal cards. To check your card annual fee reduction status, please log in to ICBC e-Life and click "Finance-Card Settings-Card Information".
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