There is an annual fee for the postal savings card, but you can specify an account in the account opened by the Postal Savings Bank to be free of the annual fee and account management fee, that is, if the Postal Savings Bank only handles one savings card, the annual fee and account management fee are free; If you handle multiple savings cards at the Postal Savings Bank, you can designate one card to be free of annual fees and account management fees. In addition, the gold card, platinum card and diamond card of the Postal Savings Bank are free of annual fees for life, the student card is free of annual fees within three years from the date of issuing the card, and the rest of the savings cards are free of annual fees. And the account management fee is charged according to the bank charging standard.

China Postal Savings Bank debit card (any kind of debit card) does not charge an annual fee. Debit cards charge a small management fee. The charging standard is less than RMB 100 per day, which will be charged by 3 yuan every quarter. The deduction time is the end of the quarter, and the deduction will be made in proportion. For example, a 50-yuan postal savings debit card has not been moved. Then within 3 months, the average daily credit card amount is 50, and the small management fee of 1.5 yuan will be deducted at the end of the season.

The annual credit card fee of Postal Savings Bank is related to the card type. Except for the ordinary card, the annual fee for the gold card is 125 yuan/year, and the annual fee for the supplementary card is 60 yuan/year. Tourist card, Hainan tourist island card, one-way tourist card, Qiandao Lake tourist card and gold card are all gold cards, and the annual fee is free in the first year. The annual fee for Central Plains Food Card is 200 yuan/year, the annual fee for the first year, and the annual fee for the second year is exempted if you swipe your card 10 times. Postal savings bank's all-currency credit card is free of annual fee in the first year, and the annual fee is free in the following year after spending 12 times.

Postal savings card is a financial transaction card issued by the national postal department, which provides financial services for depositors. Postal savings card is issued to individual urban and rural residents who hold postal savings card. Urban and rural residents can open current savings accounts in postal savings computer-connected post offices (or postal savings points), and can apply for the use of postal savings card with their ID cards. Its main function is to deposit and withdraw money from online ATM machines and postal savings offices, and to spend it on online POS machines.

Processing flow:

1. Please bring your valid real name certificate to the Postal Savings Office to fill in the special voucher and apply for a green card.

2. Please bring your valid real name certificate, green card and the valid real name certificate of the sub-card user to the local postal savings institution branch to apply for the green card sub-card. You may not apply for a green card daughter card on behalf of others.

3. Please bring your green card and valid real name certificate to any outlet in the province to handle the agreed transfer business. Others can also show your valid real name certificate to two people at the same time.

What is the annual credit card fee of Postal Savings Bank? How to reduce the annual fee?

In addition to the amount of credit card, the annual fee is also something that cardholders need to pay attention to. The charging standard and exemption conditions are directly related to the vital interests of customers. What is the annual credit card fee of Postal Savings Bank? How to reduce the annual fee?

What is the annual credit card fee of Postal Savings Bank?

1, Puka

Most general card products directly and unconditionally reduce the annual fee within the validity period of the credit card, and some special products have annual fee collection standards:

1) Traffic co-branded card 50 yuan/year;

2) 50 yuan is the main charity card and youth card, and 20 yuan is the subsidiary card.

2. Gold card

Annual fee of main card 125 yuan/year, and 60 yuan/year of auxiliary card;

In addition, the annual fees for special products are as follows:

1) Self-mailing family co-branded card main card 100 yuan/year, auxiliary card 50 yuan/year;

2) Central Plains Food Card co-branded card 200 yuan/year, supplementary card 60 yuan/year;

3) Gold Leaf Card Class C 280 yuan/year;

4) Gold Leaf Card Class B 500 yuan/year;

5) Jinyeka Grade A 800 yuan/year.

Postal savings bank credit card annual fee waiver conditions

1, Puka, Gold Card

For charged products, the annual fee for the first year is directly exempted, and the annual fee for the second year is exempted after spending 6 times.

2. Special gold card products

1) Central Plains Food Card Co-branded Card: free of annual fee in the first year, and free of annual fee in the following year after spending 10 times;

2) Full-currency card: free of annual fee in the first year, and free of annual fee in the following year after spending 12 times;

3) Gold Leaf Card Grade C: collected in the first year, and the annual fee for the following year can be reduced if the installment amount of a single transaction or bill is 5,000 or more and the number of installment transactions is 4 or more;

4) Gold Leaf Card Grade B: collected in the first year, and the annual fee for the following year can be reduced if the installment amount of a single transaction or bill is 5,000 or more and the number of transactions is 7 or more;

Is the full currency card of the Postal Savings Bank visa?

No, but it has a visa function.

1. The full-currency credit card of China Postal Savings Bank bears the logos of UnionPay and MasterCard. No matter at home or abroad, you can enjoy the quality and intimate service brought by the full-currency credit card of Postal Savings Bank, and at the same time support RMB repayment service without purchasing foreign exchange for repayment.

2.VISA Credit Card Credit cards can be spent by VISA merchants all over the world. The credit card has VISA international logo on its surface.

Extended data:

Features:

Travel is very safe: UnionPay MasterCard dual network, easy to switch at home and abroad.

Consumption is very worry-free: consumption abroad automatically purchases foreign exchange for repayment, free of currency conversion fee.

Haitao can rest assured: support overseas websites to pay for shopping, and some websites will cash back 5%.

Payment is very intimate: support Alipay wallet and WeChat wallet, which is convenient for payment.

The service is very comfortable: enjoy the dual global preferential merchant privileges of UnionPay MasterCard.

The annual fee is very warm: the first year is free, and the consumption 12 is free in the second year.

Postal savings bank of China-all-currency credit card

Baidu encyclopedia -VISA credit card

What is the postal credit card limit?

Mainly depends on the cardholder's income and assets, specifically the bank regulations. The credit limits of various cards are listed below for your reference:

1, the credit card Capka limit of China Postal Savings Bank is 2,000 to 50,000.

2 China Postal Savings Bank credit card gold card limit is below 654.38+ 10,000.

3. The amount of platinum credit card of China Postal Savings Bank ranges from 6,543,800+10,000 to 1,000,000, which requires financial proof, such as large time deposit certificate+real estate license+vehicle driving license+business license, etc.

China Postal Savings Bank was formally established on March 20th, 2007. It is the fifth largest bank in China and a state-owned commercial bank established on the basis of the reform of postal savings management system. China Postal Savings Bank inherited the postal finance business operated by the former State Post Bureau and China Post Group Corporation, and the assets and liabilities arising therefrom. As the saying goes, money is not everything, but money is absolutely impossible. Credit card is a tool to avoid having no money, which is also the reason why many card friends apply for cards, especially college students, freelancers and self-employed people who have no stable jobs. Compared with other credit cards, the credit card of China Postal Savings Bank has the advantages of free annual fee and low installment fee. The weakness is that the quota is low and it is difficult to approve. Now many second-and third-tier cities don't do business, there are few cards and activities, and online banking is almost blank. China Postal Savings' credit card, main card and auxiliary card are free of annual fee permanently, and you can swipe your card at will. You can activate the card through the 24-hour customer service hotline, set the transaction password and inquiry password online in real time, or log in to online banking for real-time online activation, which is safe and fast. China Postal Savings Credit Card Gold Card is a standard credit card product specially developed for middle and high-end people. In addition, there are services such as revolving credit, installment consumption, cash advance and password selection. The product also has many special services, such as air ticket hotel reservation, supplementary card quota adjustment, 48-hour card loss guarantee, free transaction reminder, high cash advance, double birthday points, wonderful gift exchange and so on. It is a credit card that truly meets international standards. China Postal Savings Bank's all-currency credit card is the first dual-label card with UnionPay and MasterCard logos. No matter at home or abroad, you can enjoy the quality and intimate service brought by the all-currency credit card of the Postal Savings Bank, with one card in hand and support RMB repayment service. There is no need to purchase foreign exchange for repayment.

Which is better for all-currency credit cards of major banks with big pk?

All-currency credit cards are suitable for outings, business trips and study abroad, and conversion fees can be exempted if they are not exchanged. But with so many all-currency credit cards, which bank's all-currency credit card is better and more cost-effective? Today, I will take stock of the advantages and disadvantages of all-currency credit cards of major banks for you, so that you can see them clearly at once.

All-currency card, the main function of all-currency card is to exempt the currency conversion fee and handle the transaction needs of all currencies. No matter where you spend money, you can repay it directly in RMB after returning home, and you can also avoid the formalities of purchasing foreign exchange.

I. Full-currency international chip card of China Bank.

China Bank's all-currency international chip card not only has the basic functions of general all-currency credit cards, but also enjoys the rights and interests of BOC Platinum Card. There are insurance services, such as personal insurance and delay insurance when buying air tickets; Borrowing can be combined with overdraft consumption, interest-free repayment period, and enjoy deposit interest; You can enjoy double points in consumption abroad, and the points will be valid forever.

Second, ABC Travel World Credit Card

Youyou World Credit Card of Agricultural Bank of China enjoys exclusive benefits free of currency conversion fee for consumption and withdrawal in any currency and channel in the world. It also has all-round benefits such as shopping and leisure, business travel and medical care, health care, etc. It is especially suitable for people who travel, do business, study abroad and "Haitao". Airport supreme courtesy; Gold card annual fee standard, platinum courtesy.

Three. China Industrial and Commercial Bank Global Travel Credit Card

ICBC Global Travel Credit Card has the following characteristics: UnionPay and MasterCard have dual channels, and there are many credit card channels in China, which can be repaid by Alipay; Global airports provide VIP room courtesy; Set aviation, hotels, shopping and leisure, famous products, tourism, study abroad, airport VIP rooms, car rental, tax refund, rescue and other global preferential services in one, is the best partner of customers' overseas travel.

4. Construction Bank Longka Global Payment Credit Card

China Construction Bank Longka Global Payment Credit Card has the following features: MasterCard UnionPay dual identification card, UnionPay and VISA dual channels, which are available in China and can be repaid by Alipay; You can enjoy double points when you spend abroad; Special service for international air tickets; Buy air tickets and send insurance, etc.

5. All-currency international credit card of China Merchants Bank.

China Merchants Bank's all-currency international credit card only issues VISA single-currency cards, which is a personal card product issued by China Merchants Bank for customers who have overseas travel and online shopping. The card supports VISA bank, and its biggest feature is that no matter what currency, foreign exchange handling fees are exempted for consumption or cash withdrawal; And there is no annual fee for life (many all-currency credit cards are exempt from annual fees). In addition, China Merchants Bank has many preferential activities for all-currency international cards (20 15 swiping the all-currency credit card of Postal Savings Bank can enjoy three times the maximum score of 65,438+10,000), and gives away high travel accident insurance.

Six, the Postal Savings Bank double standard full currency credit card.

Postal Savings Bank's dual-standard full-currency credit card is a dual-standard full-currency credit card of China UnionPay and MasterCard. It can be used online and offline by UnionPay, and can also accept merchants' spending of more than 300,000 credit cards on MasterCard online and offline. This credit card is the first dual-label card with UnionPay and MasterCard logos in Postal Savings Bank. No matter at home or abroad, credit card consumption can be worry-free, and UnionPay and MasterCard have dual global preferential merchant privileges. Most all-currency credit cards are not suitable for domestic consumption, but the dual-standard all-currency credit cards of Postal Savings Bank are still consumed in China, and they also have special functions such as overseas shopping tax rebate and online Haitao discount.

Seven. Minsheng visa all-currency international credit card

The characteristic functions of Minsheng Bank visa all-currency international credit card are: circulating credit, convenient for advanced consumption; Points are permanent and valid, and can be exchanged for gift miles. There are various repayment methods, and repayment is simple and convenient. Minsheng bank visa all-currency international credit card offers many special benefits, mainly including the highest discount on air tickets 10% and overseas credit card discount.

By comparing and analyzing these all-currency credit cards through the PK of the four major banks, I personally think that the all-currency chip card of China Bank is still very good. Generally, all-currency credit cards have some functions, such as automatic purchase of foreign exchange, free of currency exchange fees, RMB repayment and so on. In addition, there is an unconditional life-long annual fee-free policy. You know, many all-currency credit cards can't avoid annual fees, while the all-currency chip card of Bank of China enjoys more rights and interests, and can also be used as a savings card, with many benefits. Although China Bank's all-currency chip card is the single channel of Visa, the applicant's credit card is mainly used in consumption abroad and Haitao, and there are more and more merchants who can swipe Visa cards in China, which has little impact.

In addition, ICBC Global Travel Credit Card has been well received, and it is called the all-currency credit card that is necessary overseas. It is a good choice for business trip, travel, Haitao or studying abroad (20 15 ICBC VISA full currency ICBC Global Travel Credit Card is required overseas)!

Commercial Bank PK From the perspective of other commercial banks, China Merchants Bank's all-currency international credit card is also free of annual fees, which is not bad. The dual-label full-currency credit card of Postal Savings Bank is a dual-label card with the logo of UnionPay and MasterCard, which basically has all other full-currency functions. There are also many consumption abroad and Haitao, just like the full-currency chip cards of Bank of China in the four major banks. Although the credit card of the Postal Savings Bank may not be as famous as other banks, this dual-label full-currency credit card of the Postal Savings Bank is definitely worth introducing (20 15 Minsheng Visa full-currency card enjoys consumption abroad.

For users who swipe their cards more in China, the single channel of Visa will undoubtedly cause a lot of inconvenience. It is best to consider the dual-channel credit cards of Visa/Master+ UnionPay, such as ICBC Global Travel Credit Card, CCB Longka Global Payment Credit Card, and Postal Savings Bank Double-standard Full Currency Credit Card. These credit cards have little difference in function, but compared with the additional rights and preferential contents of the two cards, ICBC Global Travel Credit Card and Postal Savings Bank double-standard full-currency credit card are both very good.

The introduction of the full currency credit card of the Postal Savings Bank ends here.