Interest-free period, SMS reminder function, withdrawal fee and annual fee are all the same, and there is no difference.
Interest-free period refers to the consumer transaction in which the credit card holder repays all the repayable amount before the due repayment date (inclusive), from the bank bookkeeping date to the due repayment date. The longest interest-free repayment period is 50 days, unless otherwise agreed between the card issuer and the applicant, but the longest interest-free repayment period shall not exceed the longest interest-free repayment period required by relevant laws and regulations (except cash advance).
The cash withdrawal fee is 3% of the cash withdrawal amount, with a minimum of 30 yuan RMB or US$ 3. The daily cash withdrawal amount does not exceed 2000 RMB in China and 1000 USD abroad. Interest is 0.5 ‰ per day, and there is no interest-free repayment period for cash.
Annual fee: ordinary card 100 yuan/year, gold card 300 yuan/year. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. Successful application for China Merchants Bank Credit Card (except for Unlimited Card/Platinum Card/Business Card /ANA Co-branded Card /VISA MINI Card /MSN MINI Card /VOGUE Titanium Card /HELLOKITTY Fan Gold Card Miss KITTY Perfume Credit Card), the first-year annual fee will be reduced in advance by China Merchants Bank Credit Card or partners, and you will spend six times on a single card within one year after the card is valid (from the date of issuance). And this offer is valid for a long time before the change notice of the new annual fee preferential policy.