No annual fee for Industrial Credit Card

Is there an annual fee for Industrial Bank’s credit card?

Whether there is an annual fee for Industrial Bank’s credit card depends on the type of card. The specific annual fee policy is as follows:

Annual fee for Industrial Bank's standard dual-currency credit card:

The annual fee for the regular card is waived in the first year, and the annual fee for the following year will be waived if the card is used 5 times within a year.

The gold card is free of annual fees in the first year, and if you spend RMB 10,000 in one year, the annual fees will be waived for the following year.

Normal card: 100 yuan/year for the main card and 50 yuan/year for the supplementary card

Gold card: 200 yuan/year for the main card and 100 yuan/year for the supplementary card

Industrial Bank RMB credit card annual fee:

The annual fee for the regular card is waived in the first year. If you use it 5 times in a year, the annual fee will be waived for the next year.

The gold card is free of annual fees in the first year, and if you spend RMB 10,000 in one year, the annual fees will be waived for the following year.

Principal card: 80 yuan/year for the main card and 40 yuan/year for the supplementary card

Gold card: 200 yuan/year for the main card and 100 yuan/year for the supplementary card

Industrial Bank Business Card Annual Fee:

Regular Card: RMB 80/year

Gold Card: RMB 200/year

Industrial Bank Garfield Credit Card Annual Fee : Pay an annual fee of 80 yuan in the first month of opening the card. If you swipe the card 5 times within 3 months, the annual fee will be refunded in the 4th month, and the annual fee will be waived for the next year.

Principal card: 80 yuan/year for the main card and 40 yuan/year for the supplementary card

Gold card: 200 yuan/year for the main card and 100 yuan/year for the supplementary card

Industrial Bank QQ Show physical credit card annual fee: annual fee is waived in the first year, and the annual fee for the next year is waived if you use it 5 times in a year.

Standard credit card: 80 yuan/year

MINI credit card: 40 yuan/year

How much is the annual fee for Industrial Credit Card? Learn this trick to easily avoid annual fees

Industrial Bank’s Instant Credit Card has attracted much attention. This card is an automatic installment credit card. When the accumulated consumption amount of the current bill reaches the standard, it will be automatically installmentd. It is very suitable for those who have installment needs. Cardholders handle it. Many cardholders are very concerned about the charges of Industrial ClickXiang Credit Card. They want to know what the annual fee is for this credit card? Let’s find out together below.

Industrial Instant Credit Card annual fee charging standard and annual fee-free discount

Industrial Instant Credit Card is a platinum card, but it is divided into three levels, namely Platinum Card (Elite) Edition), Platinum Card (Yo Series), Platinum Card (Standard Edition), different levels of Platinum Cards have different annual fee charging standards and annual fee exemption benefits, as follows:

1. Annual fee charges Standard:

Platinum Card (Elite Edition): 500 yuan/card, the annual fee will be charged once the card is verified

Platinum Card (Yu Series): 900 yuan/card, the annual fee will be charged upon verification Annual fee

Platinum Card (standard version): 2,600 yuan/card, the annual fee will be charged immediately upon approval of the card

2. Annual fee reduction discount:

1. Platinum Card (Elite Edition):

First-year annual fee discount: New customers who apply for the first time and have cumulative transactions of RMB 2,000 or the equivalent in foreign currency within 60 days after the card is approved can be exempted from the first-year annual fee;

Discount on the annual fee for the next year: Cardholders who have accumulated installments of 5,000 yuan or more within one year can be exempted from the annual fee for the next year; or have a points balance of 30,000 points on the day when the annual fee for the next year is calculated. , the annual fee for the next year can be automatically deducted.

2. Platinum Card (Yu Series):

Does not enjoy the annual fee discount policy, but you can also use points to offset the annual fee. You can exchange 150,000 points for an annual fee of 900 yuan.

3. Platinum Card (Standard Edition):

Does not enjoy the annual fee discount policy, but can use points to offset the annual fee. You can exchange 1.3 million points for an annual fee of 2,600 yuan.

The above is the relevant introduction to "How much is the annual fee for Industrial Credit Card?" All in all, Industrial Instant Credit Card is a platinum card, but it has three levels, so the annual fee charging standards and annual fee-free benefits are different. When applying for a card, you must find out which platinum card you want to apply for.

How much is the annual fee for Xingye Wisteria Credit Card? How can I waive the annual fee?

Industrial Bank has launched another good-looking credit card - Industrial Wisteria Credit Card, which is based on Li Bai's poem "Wisteria Tree". The purple card has a wisteria tree on it, which is full of lovesickness. However, although the card is beautiful, it also involves an annual fee. Friends who want to know how much the annual fee of Xingye Wisteria Credit Card is, you may wish to take a look with us.

How much is the annual fee for Industrial Wisteria Credit Card:

This credit card is divided into three levels: regular card, gold card, and platinum card (elite version), and does not support the application of supplementary cards. Different levels of credit cards have different annual fee charging standards, as follows:

1. Regular card: The annual fee for the main card is 80 yuan/card/year;

2. Gold card: The main card The annual fee is 200 yuan/card/year;

3. Platinum Card (Elite Edition): The annual fee for the main card is 500 yuan/card/year.

So, can this credit card waive the annual fee?

Industrial Wisteria Credit Card can waive annual fees, but the conditions for annual fee waivers vary depending on the card level.

For example, regular cards and gold cards will waive the annual fee for the first year if the card is approved successfully. If you swipe the card or withdraw cash 5 times within a year, the annual fee for the next year will be waived;

Platinum Card Elite Edition The annual fee exemption conditions are more stringent. Cardholders can only waive the annual fee for the following year if the cumulative installment amount reaches 5,000 yuan within one year of card approval or the points balance reaches 30,000 points on the day when the annual fee for the next year is calculated. fee.

The above is the relevant introduction to "How much is the annual fee for the Industrial Wisteria Credit Card? How to waive the annual fee?" In short, the different card levels of the Industrial Wisteria Credit Card have different annual fee charging standards and annual fee exemption conditions. Similarly, it is recommended to understand the annual fee of the selected level of credit card before applying for a card.

Will the annual fee be deducted for the Industrial Bank credit card in the second year?

The Industrial Bank credit card will have an annual fee deducted in the second year.

Interest and Fees

Credit card users should pay the first-year annual fee and production fee after their card application is approved. The annual fee thereafter will be included in the repayment of the first bill of the year, and the user should pay it before the due date of the bill.

Therefore, the annual fee will be deducted for the Industrial Bank credit card in the second year. The deduction method is to calculate the annual fee into the repayment of the first installment of each year.

For cash transactions, users should pay a handling fee based on a certain proportion of the transaction amount. If an overdraft occurs, the bank will charge a daily interest rate of 0.05% (annual interest rate 18.25, the same below) from the accounting date. ) will accrue interest until the amount is repaid, and compound interest will be accrued on a monthly basis.

Extended information:

Platinum Card Points Redemption Annual Fee

Activity objects: Youyi Business Travel Platinum Credit Card, Youyue Health Platinum Credit Card, and Instant Platinum Credit Card ( Standard version), ClickXiang Platinum Credit Card (You series), XingXiang Platinum Credit Card.

Activity content:

Complete an installment of any amount in the current year (regardless of the installment type), and you can use points to redeem the paid annual fee in that year.

Points redemption standards:

1. Point redemption annual fee for YoYi Business Travel Platinum Credit Card and YoYue Health Platinum Credit Card:

1. 900 yuan for the main card in the current year Annual fee

Redeem points: 150,000

2. Annual fee for supplementary card is 600 yuan for the year

Redeem points: 150,000

II , Instant Platinum Credit Card (Yo series) points redemption annual fee:

1. Annual fee of 900 yuan for the main card in the current year

Redemption points: 150,000

Three , Instant Platinum Credit Card (Standard Edition) points redeem annual fee

1. The annual fee for the main card is 2,600 yuan for the year

Redemption points: 1.3 million