After opening a China Merchants Bank credit card, do you still have to pay an annual fee? How much is it?
The annual fee for China Merchants Bank Credit Card is waived in the first year of card opening, but if not applicable in the second year of card opening, annual fees will be charged.
Annual fee details:
1. Annual fee for ordinary cards: RMB 100 per card for the main card and RMB 50 per ordinary card for supplementary cards;
2. Annual fee for Gold Card: RMB 300 per card for the main Gold Card card, RMB 150 per card for the Gold Card supplementary card;
3. Annual fee for Platinum Card: RMB per card for the main Platinum Card card RMB 3,600 for platinum card and RMB 2,000 for each additional platinum card;
4. Annual fee for unlimited card: RMB 10,000 for the primary wireless card and RMB 5,000 for each additional unlimited card;
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5. Annual fee for elite business card: RMB 300 per card for business card, RMB 100 per card for purchase card, RMB 50 per card.
Extended information:
Conditions for annual fee reduction for China Merchants Bank Credit Card:
1. The annual fee for China Merchants Bank Credit Card is waived in the first year of opening the card.
2. Annual fee exemption policy for the year following card opening (annual fee exemption for China Merchants Bank credit cards):
Regular cards, gold cards (including various co-branded cards): successfully approved by credit card The annual fee for the following year cannot be waived for MINI cards (including MSN cards) if 6 transactions are made within a year (no limit on amount or transaction type for each transaction) in the starting month;
MINI cards (including MSN cards) cannot be exempted from annual fees. For other China Merchants Bank credit cards, the annual fee is ￥100/year;
Titanium Card: 6 transactions within a year starting from the month when the credit card is successfully approved (no limit on amount or transaction per transaction) Type) Waiver of the next year's annual fee;
Platinum Card: Use 10,000 China Merchants Bank credit card points to redeem the next year's annual fee;
Infinite Card: There is no policy to waive the next year's annual fee. .
China Merchants Bank official website - Credit card knowledge
Are the platinum cards and gold cards of China Merchants Bank credit cards different?
Yes, there is a big difference between the gold card and the platinum card of China Merchants Bank Credit Card:
1) In terms of credit limit, the gold card has an upper limit of 50,000, while the platinum card starts with 50,000, and the upper limit 500,000 (the higher level is an unlimited card, starting from 500,000, with no upper limit);
2) The annual fee is 300 yuan for the gold card, but it can be waived by swiping the card 6 times; the annual fee for the platinum card 3,600 yuan, no annual fee exemption is provided, but 10,000 points can be redeemed for the annual fee;
3) In terms of discounts, the discounts enjoyed by gold cards at general special merchants are not as high as those by platinum cards, such as Some specially appointed restaurants offer 20% off for Gold Cards, 40% off for Platinum Cards, etc.;
4) When applying, Gold Cards can be actively applied for, while for Platinum Cards, China Merchants Bank generally selects high-quality products from Gold Card customers. Customers are invited, and voluntary applications are generally not accepted. If you have a Golden Sunflower Card at a local China Merchants Bank branch or have purchased financial products worth more than RMB 200,000, you can ask the branch’s financial manager to recommend a platinum card.
5) The Platinum Card also provides some additional services, such as one free physical examination per year, 12 VIP lounges at various airports per year, about 20 free golf driving range uses, card replacement/loss report and other card services. free.
1. China Merchants Bank Credit Card
In 2002, China Merchants Bank realized integrated and professional credit card services. China Merchants Bank Credit Card Customer Service Center was named "China's Best Call Center of the Year" as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference, and is the only award-winning unit in the domestic financial industry.
2. Basic introduction
China Merchants Bank Credit Card is an integrated, professional service credit card issued by China Merchants Bank in 2002. It is a pioneer in China's credit card market. Since the issuance of China's first "one card, two currencies" credit card that meets international standards in December of the same year, it has achieved a series of impressive results.
Annual fee for China Merchants Bank Platinum Credit Card
1. Classic Platinum Card:
The annual fee for the Classic Platinum Card is 3,600 yuan per year for the main card and 3,600 yuan per year for the supplementary card. The fee is 2,000 yuan/year.
On the 13th month after the credit card is issued, the China Merchants Bank credit card system will automatically deduct corresponding points from the credit card points account to redeem the annual fee. Generally, 10,000 permanent points can be redeemed for the annual fee of the main card, and 5,000 permanent points can be redeemed for the annual fee of the supplementary card.
2. UnionPay Premium Edition Platinum Card:
The annual fee for the primary card of the Premium Edition Platinum Card is 800 yuan/year, and the annual fee for the supplementary card is 300 yuan/year. The annual fee for this card is waived in the first year of opening the card. If you spend 80,000 yuan in that year and the card is swiped more than 20 times, the annual fee for the main card in the following year will be reduced. If you use the supplementary card to spend 30,000 yuan or more 10 times in the current year, the annual fee for the card in the next year will be waived (the annual fee for the first two supplementary cards will be waived).
3. Premium Platinum Installment Card:
The annual fee for the Premium Platinum Installment Card is 800 yuan/year, and the annual fee for the supplementary card is 300 yuan/year. The annual fee for the following year will be waived for the main card if you make three purchases per year, and the annual fee for the next year will be waived for the supplementary card if you make three purchases per year (the first two supplementary cards are exempt from annual fees).
The types of China Merchants Bank credit cards include:
1. Standard credit cards:
The main ones include standard VISA cards, standard Mastercard cards, China Merchants Bank standard credit cards, China Merchants Bank "He" card credit card, etc.
2. Theme series credit cards:
Mainly include China Merchants Bank Caixin Media co-branded card, China Merchants Bank Ele.me co-branded card, China Merchants Bank NetEase Cloud Music Credit Card, China Merchants Bank Doraemon Mengmengmengka and so on.
3. Regional series credit cards:
The main ones include Pinghetang co-branded credit card, Century Golden Flower co-branded credit card, Wuhuan Sports co-branded credit card, Xi’an True Love Constellation Card, etc.
4. Travel series credit cards:
Mainly include Ctrip Travel Credit Card, Air China Zhiyin Credit Card, China Southern Sky Pearl Credit Card, Xiamen Airlines Egret Co-branded Credit Card, China Eastern Airlines Co-branded Credit Card, etc.
5. Car owner card series:
China Merchants Bank’s car owner cards include Yingzhong Automobile co-branded credit card, carcard credit card, etc.
6. Shopping series credit cards:
There are mainly Parkson shopping credit cards, Ruili women’s shopping cards, etc.
Recommended credit cards
The first one: Merchants Young Card features: cash withdrawal limit of 100, no handling fee for the first cash withdrawal every month; generous card opening gift, new accounts can swipe the full amount of the card Free Alpine trolley case or Pentium electric shaver; enjoy double points on your birthday month, the monthly gift points limit is 2,000 points per household, and the points are permanently valid. The limit for placing a card can generally exceed 10K!
The second model: The card surface of the car owner card is also very cool. If you have a car, it is recommended to apply for a car owner card. We all know that the points of China Merchants Credit Card are very valuable. Every 20 yuan spent on China Merchants will only count 1 point, and every 39.9 yuan spent on China Merchants will also count 1 point. It is difficult to obtain and you need to find a way to convert the points. The Merchants Car Owner Card has the benefit of 1.5 times the points. In addition, the card with 1.5 times the points has the city card, which is not available in every city. This card that you can apply for is worth paying attention to!
Type 3: China Merchants Bank City Card. The credit card faces are different in each city, and most of them are quite ugly. Together with the young card, the CMB City Card is known as the “hairy leg card” of CMB. This is because China Merchants Bank previously had a policy that these "Leg Hair Cards" were free of charge for the first cash withdrawal every month and had points. Therefore, many cardholders used to withdraw cash to earn points from China Merchants Bank for free, which was called "Leg Hair Card". Mauka”.
How much is the annual fee for China Merchants Bank Platinum Credit Card?
The annual fee for China Merchants Bank Platinum Credit Card is often a hot topic for cardholders, and it is also something that cardholders must be aware of before applying for a platinum card. As far as we know, there are different types of China Merchants Bank Platinum Cards, so the annual fees are also different. If you want to know how much it costs, let’s take a look together.
If you want to know the annual fee of China Merchants Bank Platinum Card, you have to know which platinum cards China Merchants Bank has.
As far as we know, China Merchants Bank has authorized 5 platinum cards, namely American Express Centurion Platinum Card, VISA Classic Platinum Card, VISA Exquisite Platinum Card, UnionPay Platinum Credit Card and all-currency cards. Platinum Card.
The annual fees for these platinum cards are different, as follows:
1. American Express Centurion Platinum Card: 3,600 yuan/year for the main card; 1,800 yuan for the supplementary card /year, limited to two applications and no annual fee;
2. VISA Classic Platinum Card: The annual fee for the main card is 3,600 yuan/year, and the annual fee for the supplementary card is 2,000 yuan/year. One year after the card is approved Collect;
3. VISA Premium Edition Platinum Card: The annual fee for the main card is 800 yuan/year, and the annual fee for the supplementary card is 300 yuan/year;
4. UnionPay Platinum Credit Card: The main card The annual fee is 800 yuan/year, and the annual fee for supplementary cards is 300 yuan/year;
5. All-currency Platinum Card: Holding this card within the validity period of the card, without any additional consumption conditions, will be exempted from the credit card annual fee. fee.
From the annual fee of the Platinum Card listed above, we can see that the annual fee of the UnionPay Platinum Card is the lowest. If you have overseas consumption needs, you can apply for a full-currency platinum card. Card, there is no annual fee during the validity period of the card.
If you are interested in the above-mentioned platinum card and want to have one, you can go to any branch of China Merchants Bank to apply for it. When applying, remember to bring your original identity certificate, work certificate and financial support documents. .
If you are a CMB Golden Sunflower customer, you can ask the tellers at CMB branches to assist in printing the Golden Sunflower statements for the past three months or provide daily deposit certificates, or you can contact the corresponding account manager, who will Provide introduction documents to help you apply for a platinum card.
This is the end of the introduction about the annual fee of China Merchants Credit Card Platinum Card and how to waive the annual fee of China Merchants Credit Card Platinum Card. I wonder if you found the information you need?