How much will be deducted from the annual fee for the ICBC Peony Credit Card?

No annual fee will be charged if the ICBC credit card is not activated. After the credit card is activated, based on the activation date, the annual fee will be charged when the card is held for one year, month to day, and then enters the next annual fee cycle. If the annual fee reduction conditions are met within an annual fee cycle, the annual fee can be reduced.

In the year of using the ICBC personal credit card, the annual fee for the primary and secondary cards can be reduced or exempted if a total of 5 purchases (no limit on the amount) or RMB 5,000 (including the equivalent in foreign currency) are made with the card. (Except for Plus series and special products.)

Annual fee charging standards for personal gold and regular cards for main cards (halved for secondary cards):

1. Regular cards: multiple/dual currencies 100 yuan for credit card, 50 yuan for single currency credit card, 25 yuan for quasi-credit card;

2. Gold card: 200 yuan for multi/dual currency credit card, 100 yuan for single currency credit card , quasi-credit card 50 yuan.

Warm reminder:

1.Plus series products charge a rigid annual fee, which will be charged immediately after the card is activated, and there is no annual fee reduction or exemption policy;

2.1 1 combination The card annual fee system automatically charges half, that is, the annual fee for international card organization brand cards and UnionPay brand cards is charged at half of the corresponding card level standard.

3. If this is not the case above, please call to verify the annual card fee.

Annual fee for Peony Credit Card of Industrial and Commercial Bank of China:

Peony Platinum Card main card 2,000 yuan/card/year, Peony Platinum Card supplementary card 1,000 yuan/card/year

Gold card main card is 200 yuan/card/year, gold card supplementary card is 100 yuan/card/year

Ordinary card main card is 100 yuan/card/year, ordinary card supplementary card is 50 yuan/card/ Year

Business card gold card 400 yuan/card/year, ordinary card 200 yuan/card/year

Peony RMB credit card personal card:

Gold The main card is 100 yuan/card/year, and the gold supplementary card is 50 yuan/card/year

The main card of the ordinary card is 50 yuan/card/year, and the supplementary card of the ordinary card is 25 yuan/card/year

Business card gold card 200 yuan/card/year, ordinary card 100 yuan/card/year

Peony quasi-credit card personal card:

Gold card main card : 50 yuan/card/year, gold card supplementary card 25 yuan/card/year

Ordinary card main card: 25 yuan/card/year, ordinary card supplementary card 12.5 yuan/card/year

Business card gold card 100 yuan/card/year, ordinary card 50 yuan/card/year

Peony special card:

Personal card 20 yuan/card/year

Business card 20 yuan/card/year

Peony smart card electronic wallet card can be renewed with wallet card 10 yuan/card/year

Peony international debit card personal Flat card 10 yuan/card/year

Embossed card 50 yuan/card/year

Annual fee-free policy:

Annual fee for ICBC credit card The charging standard is to use it first and then collect it, that is, the annual fee will not be charged until the account has been opened for one year. In this year, as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 for the student card, 160,000 points for the platinum card). or 200,000 (no annual fee), the annual fee will be waived for that year.

I hope my answer is helpful to you!

ICBC Peony Credit Card Fee Standard

ICBC American Express Centurion Black Gold Card Annual Fee

ICBC Express Centurion Black Gold Card Principal Card 18,000 Yuan/card/year; ICBC American Express Centurion Black Gold Card supplementary card is free of annual fees.

ICBC American Express Centurion Platinum Card annual fee

ICBC American Express Centurion Platinum Card main card is 3,600 yuan/card/year; ICBC American Express Centurion Platinum Card deputy The card has no annual fee.

The annual fee for Platinum Card

The main card is 2,000 yuan/card/year; the supplementary card is 1,000 yuan/card/year.

Personal Gold Card Annual Fee

1. Peony Dual Currency and Multi-Currency Credit Card Personal Card: Gold Card Primary Card 200 Yuan/Card/Year; Gold Card Supplementary Card 100 Yuan /card/year.

2. Peony RMB credit card personal card: gold card main card 100 yuan/card/year; gold card supplementary card 50 yuan/card/year.

3. Peony quasi-credit card personal card: gold card main card: 50 yuan/card/year; gold card supplementary card 25 yuan/card/year.

Personal ordinary card annual fee

1. Peony dual-currency and multi-currency credit card personal card: ordinary card main card 100 yuan/card/year; ordinary card supplementary card 50 yuan /card/year.

2. Peony RMB credit card personal card: ordinary card primary card 50 yuan/card/year; ordinary card supplementary card 25 yuan/card/year.

3. Peony quasi-credit card personal card: ordinary card as main card: 25 yuan/card/year; ordinary card as supplementary card: 25 yuan/card/year.

Business card annual fee

1. Peony dual-currency and multi-currency credit card business card: 400 yuan/card/year for gold card; 200 yuan/card/year for ordinary card.

2. Peony RMB credit card commercial card: 200 yuan/card/year for gold card, 100 yuan/card/year for ordinary card.

3. Peony quasi-credit card business card: 100 yuan/card/year for gold card, 50 yuan/card/year for ordinary card.

Special card annual fee

20 yuan/card/year

Smart card annual fee

10 yuan/card/year

Co-branded card annual fee

The annual handling fee for Peony co-branded card (approval card) may be higher than the fee for the attached card type. Other charging items are the same as the card types they are attached to.

Cost fee

In addition to the charging standards for the card type attached to the color photo card, an additional 50 yuan/card is charged.

New card issuance/reissue card/card replacement

1. Chip card 20 yuan/card-40 yuan/card.

2. Smart card costs 15-500 yuan/card. (Smart cards include renewable e-wallet cards, non-renewable e-wallet cards, SIM cards, SD cards (including Apple peel), NFC full mobile phones, etc.).

Reporting lost cards

Credit cards and quasi-credit cards cost 20 yuan/card, and special cards cost 10 yuan/card.

Make up a bill

Request a statement of 5 yuan/month/month for two months (not included)

Adjust the bill

Domestic transaction original is 50 yuan/copy, copy is 10 yuan/copy;

Foreign transaction copy: 1. Peony dual currency credit card 5 US dollars/copy or 5 euros/copy or 50 Hong Kong dollars/copy (the rest For foreign currency accounts, the equivalent foreign currency fee is US$5); 2. Peony multi-currency credit card is US$5 per copy.

Credit card credit certificate

Unit 100 yuan/unit

Over-limit fee

1. Peony dual-currency and multi-currency credit card 5% of the excess credit limit will be charged, up to 500 RMB or 500 Hong Kong dollars or 500 Macau patacas or 100 US dollars or 100 euros (the remaining foreign currency accounts will be charged at the highest equivalent foreign currency of 100 US dollars).

2. Peony RMB credit card charges 5% of the excess credit limit, up to 500 yuan.

Late payment fee

1. Peony dual-currency and multi-currency credit cards will be charged 5% of the unpaid portion of the minimum repayment amount, with a maximum of 500 yuan or 500 Hong Kong dollars or 500 Macau patacas or 100 USD or 100 EUR (remaining foreign currency accounts are charged up to 100 USD equivalent in foreign currency).

2. The Peony RMB credit card charges 5% of the unpaid portion of the minimum repayment amount, with a maximum of 500 yuan.

Foreign exchange handling fee

Charged according to the charging standards of bank card cooperative organizations

Domestic emergency card replacement

Peony dual currency, multiple Coin credit card 40 yuan/card

Overseas emergency services

Overseas emergency loss reporting, cash withdrawal, and card replacement handling fees are charged according to the charging standards of bank card cooperative organizations.

Agent for foreign card cash withdrawals

For over-the-counter cash withdrawals at designated outlets, Visa and MasterCard will charge 3% of the cash withdrawal amount, and Diners Club will charge 4% of the cash withdrawal amount. Charge.

Remote withdrawal or transfer payment

RMB: 1% of the amount is charged, with a minimum of 2 yuan and a maximum of 100 yuan.

Foreign currency: charged according to the amount (including domestic and overseas), with a minimum of 3 Hong Kong dollars or 3 Macau patacas or 3 US dollars or 3 euros (other foreign currency accounts are charged at a minimum of 3 US dollars and equivalent foreign currency).

Use the card to make deposits to other places or transfer funds to your own credit card

RMB: charged according to the amount, with a minimum of 2 yuan and a maximum of 50 yuan.

Foreign currency: charged according to the amount (including domestic and overseas), the minimum is 3 Hong Kong dollars or 3 Macau patacas or 3 US dollars or 3 euros (the remaining foreign currency accounts are charged at the minimum equivalent foreign currency of 3 US dollars), the maximum is 100 Hong Kong dollars or 100 patacas or 15 US dollars or 15 euros (other foreign currency accounts are charged the equivalent foreign currency of up to 15 US dollars).

Cross-border inquiry

4 yuan/transaction (for foreign currency accounts, the equivalent foreign currency charge is 4 yuan).

Inter-bank ATM cash withdrawals

4 yuan/transaction, and a handling fee for cash withdrawals in other places will be charged.

Personalized service

Charge according to the agreed price

Credit card inter-bank transfer and remittance handling fee

For each transaction of less than 10,000 yuan (inclusive) , 2 yuan; for tens of thousands of yuan (inclusive), 5 yuan; for 10,000-10,000 yuan (inclusive), 10 yuan; for 10,000-50,000 yuan (inclusive), 15 yuan; for more than 50,000 yuan, transfer The maximum amount is 50 yuan/transaction. For real-time payment, the price will increase by RMB 20, up to a maximum of RMB 50 per transaction. If you use other banks' self-service channels, there will be an additional charge of 4 yuan/transaction.

Electronic cash account transfer

2 yuan/transaction.

Letter express

20 yuan/letter

Cross-border ATM cash withdrawal with RMB account/card

For each transaction, press (1% of the cash withdrawal amount 12 yuan) in RMB, with a minimum of 14 yuan/transaction and a maximum of 112 yuan/transaction.

Remarks: For details of preferential policies, please refer to the service price list on the ICBC website. If various charges are subject to change, please refer to the ICBC announcement.

What is the annual fee for the ICBC Peony Card?

Different cards have different annual fees. But generally if you use it 6 times within a year, you can waive the annual fee. Peony dual-currency and multi-currency credit card personal ordinary card: 100 yuan/card/year for the main card, 50 yuan/card/year for the supplementary card; Personal ordinary card of Peony RMB credit card: 50 yuan/card/year for the main card, 50 yuan/card for the supplementary card 25 yuan/card/year; personal quasi-credit card: 25 yuan/card/year for main card, 12.5 yuan/card/year for secondary card.

Extended information:

Bank card annual fees usually refer to debit card annual fees, but in a broad sense, they include credit card annual fees, online banking annual fees, etc. Debit cards charge an annual fee, but some banks waive the annual fee. Credit card annual fees are generally charged, and the fees are high, ranging from several hundred.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Credit card installment payment means that when the cardholder uses a credit card to make large purchases, the card-issuing bank pays the merchant a one-time payment for the goods (or services) purchased by the cardholder. Apply to deduct consumption funds in installments from the cardholder's credit card account, and the cardholder will repay according to the monthly credit amount. In the past, credit card installments mainly included bill installments and single consumption installments. Banks usually charged corresponding handling fees based on the number of installments. Whether it is bill installment or single consumption installment, the premise is that consumption behavior occurs first, and then the bank sets the installment repayment of the credit loan generated.

Clear funds

The merchant who submits the payment receipt will submit the payment receipt or cash withdrawal receipt signed by the cardholder to the acquiring bank, and the bank will settle the payment with the acquiring bank and recover the funds advanced.

The acquiring bank deducts a certain handling fee when making payment to the special merchant, and the acquiring bank makes a payment request to the card issuing bank.

This process is accomplished by transmitting the charge file to the card issuing bank.

Payment If the card issuing bank has no objection to the transaction, it will pay the acquiring bank and share the business handling fee with the acquiring bank through withholding. Otherwise, it will enter the stage of chargeback or repayment, and it may even end up being submitted to a higher-level organization for adjudication.

The cardholder pays the card issuer to issue a statement, that is, a payment notice, to the cardholder at the end of each month or on an agreed date. The cardholder pays the card issuer the corresponding payment if he has no doubts about the transactions on the statement. of payment.

This concludes the introduction to the annual fee of the Industrial and Commercial Credit Card Peony Card and the Industrial and Commercial Bank of China Peony International Card. Have you found the information you need?