the annual fee of China merchants bank's VISA credit card varies according to the card type. For ordinary cards, the annual fee for the main card is 1 yuan, and the supplementary card is 5 yuan. The annual fee of the gold card is increased accordingly, with the main card being 3 yuan and the supplementary card being 15 yuan. It is worth noting that the annual fee is not a natural year, but is calculated from the card issuance date (the date before the validity period of the credit card).

for users who hold China merchants bank credit cards for the first time, the annual fee for the first year will be paid in advance by the bank, and the annual fee for the next year can be reduced by swiping them for six times (no limit on the amount) within the validity period, and the annual fee for the third year can be reduced by swiping them for six times in a row. Online consumption is also included in the number of reductions. This offer is valid for a long time until there is a new policy notice.

In terms of more specific differences in credit card types, apart from the high annual fee, the amount of gold cards usually ranges from 1, to 15, yuan, while the amount of ordinary cards ranges from 3, to 1, yuan. In addition to the basic materials, gold card applications may need to provide proof of assets, and enjoy more merchant discounts and insurance quotas. For example, a gold card can earn 1,8 points for Ctrip, 2 million yuan for aviation accident insurance, and 8 points and 5, yuan for Puka. In addition, gold cards are usually designed in golden yellow, which makes them feel more distinguished. Cardholders can also enjoy exclusive services such as free emergency replacement cards abroad.

generally speaking, the annual fee of China merchants bank's VISA credit card is different according to the card type, and the fees and benefits are also different, so gold card holders enjoy more rights and benefits. Please choose the appropriate card type according to your personal needs and consumption habits.