Hello, M+ card is our bank’s savings card. The main differences between the + card and the existing all-in-one card are: (1) Modern+: a cool card design exclusive to fashionistas; (2) Money+: Free pass - no electronic bank transfer fees, no ATM inter-bank and off-site withdrawal fees, and reduced account management fees; (3) Mobile+: The card has a QR code, which can be scanned to check M+ card activities and discounts anytime and anywhere.

There are the following types of charges and discounts:

Cost fee: The "all-in-one card" M+ cards issued by the credit card center for cross-sales are all "magnetic stripe cards" and do not charge a production fee;< /p>

Account management fee: The charge standard for the account management fee of the All-in-One Card M+ card (including credit card cross-selling M+ magnetic stripe card) is unified across the bank at 3 yuan/month (the original preferential policy for general card head office and branch account management fees Not applicable to the "All-in-One Card" M+ card), the account management fee will not be charged if it is not activated, and will be charged starting from the month after activation. (For example, if the card is opened in January and activated in March, no account management fees will be incurred from January to March, and account management fees will be charged from April.)

From January 1, 2014, Account management fees can be reduced or waived if any of the following conditions are met (for details of branch special regulations, please refer to the branch node):

1. The cardholder (under the same customer number) has an average daily discount on RMB assets of all types of cards in the current month If the amount exceeds 1,000 yuan (inclusive), it will be exempted.

2. Cardholders (under the same customer number) can use various card discounts to handle any card consumption or online/mobile banking transfers, payments, living expenses, and credit card-related repayments (automatic payments occur in the month) Repayment or credit card payment transactions) will be waived.

3. Salary payment accounts, pension accounts, subsistence allowance accounts, medical insurance accounts, unemployment insurance accounts and housing provident fund accounts that have been signed and opened are exempt from account management fees. Among them: the reduction and exemption of salary payment accounts is controlled by the system program (account management fees will be reduced or reduced for accounts that have had agency payment transactions through our bank’s agency payment system within six months. For example: if one (or more) occurred in January 2010 ) For issuance transactions, the account management fees from January to June will be reduced, and so on). Reductions and exemptions for pension accounts, subsistence allowance accounts, medical insurance accounts, unemployment insurance accounts, and housing provident fund accounts must be entered into the management information platform by the branch itself. Set up a fee-free account manually.

Other preferential fee policies:

1. In the first three months of card opening, online banking/mobile banking/Pad bank transfer fees are free; effective on the day of account opening.

2. In the first three months of card use, the first two domestic ATM withdrawal fees per month are exempted, including non-local deposit and redemption fees and ATM inter-bank withdrawal (same city/different place) fees.

3. Starting from the fourth month, if the cardholder (under the same customer number) maintains the average daily assets of all types of cards in the previous month above 1,000 yuan (inclusive), he can also enjoy the above two benefits. Fee discounts.

If you still have questions and comments, please log in to the online customer service/cmu/icslogin.aspx?from=B&logincmu=0 for consultation. We will serve you wholeheartedly! Thank you for your attention and support to China Merchants Bank!