All-in-one M+ card (including M+ magnetic stripe card with cross-selling credit card) is a debit card, and there is no annual fee, but a monthly account management fee is charged. The charging standard is 3 yuan/month. If the M+ card is not activated, the account management fee will not be charged, and it will be charged from the month after activation. (For example, if the card is opened in January and activated in March, the account management fee will not be generated from January to March, and the account management fee will be collected from April. )

If you have any other questions, please open www.cmbchina.com, the homepage of China Merchants Bank, and click "Online Customer Service" in the upper right corner to enter the consultation.