During the use of a credit card, you need to pay a fee to the bank, which is what we call an annual fee. The same is true for this CITIC Baidu Finance co-branded card. This co-branded card is a gold card. Its annual fee policy is the same as other CITIC gold cards. The annual fee can be reduced or reduced based on the number of card swipes. Let’s learn about it together. CITIC Baidu Finance co-branded cards are available in UnionPay and Visa Signature versions. In addition to its attractive appearance, the card also has a high cash rebate feature and is highly favored by card lovers. If you use the UnionPay version to bind Baidu Wallet for consumption, you can get 3% cash back on the consumption amount; if you use the Visa Signature version to spend overseas, you can enjoy 10% cash back on the consumption amount. Of course, these benefits are based on the annual fee.

1. Baidu Financial Co-branded Card Annual Fee Charging Standard Baidu Financial Co-branded Card is a gold card that can enjoy the gold card rights of CITIC Bank. Of course, while enjoying the rights and interests, it must also be combined with all gold cards. You also need to pay an annual fee to the bank. The annual fee charges vary depending on the dual-currency card and the single-currency card: 1. Dual-currency card: RMB 300/year for the main card and RMB 150/year for the supplementary card; 2. Coin Card: RMB 200/year for the main card, RMB 100/year for the supplementary card;

2. How to reduce the annual fee of Baidu Finance co-branded card? Like all CITIC Gold Cards, this co-branded card is open There is no annual fee in the first year, but the prerequisite is that you must use the card to make a purchase or withdraw cash once within 30 days of being approved to enjoy this annual fee discount. In addition, if you swipe or withdraw cash a total of 5 times within one year of holding the card, you will be exempted from the annual fee for the next year; if you swipe or withdraw cash 5 times in the second year, you will be exempted from the annual fee for the third year, and so on. For example, if you apply for a CITIC Baidu Finance co-branded card, as long as you activate the card within 30 days of being approved and make any purchase, you will not need to pay the annual fee this year. If you use the card for 5 purchases this year, you won’t have to pay the annual fee next year. If you use the card for 5 purchases next year, the annual fee for the following year will also be waived. What I also want to tell you here is that the Baidu Finance co-branded card will not incur annual fees if it is not activated, so if you apply for a credit card and do not want to use it, it is best not to activate it to avoid incurring annual fees. CITIC Baidu Finance co-branded credit card (enjoy 3% cash back on payment amount; new customers will receive Baidu Wallet cash coupons when applying for the card)