Bank of China’s credit card annual fees vary depending on the card type. The following are the specific charging standards: the annual fee for a personal regular card is up to RMB 100, the annual fee for a theme card is capped at RMB 280, and the annual fee for gold and titanium cards is capped at RMB 300. The annual fee for the platinum card is higher, RMB 800, while the annual fee for the high-end card is as high as RMB 8,800. The annual fee for a business card or company card is RMB 360.

Regarding the annual fee exemption policy, personal gold cards and regular cards are exempt from annual fees in the first year, and the annual fees for the next year are waived after 5 transactions are completed; supplementary cards enjoy the same exemption policy. All currency card series (including Gold Card, Regular Card, Platinum Card, World MasterCard Card and Signature Jade Seal Card) still enjoy full annual fee exemption before December 31, 2018. For Platinum Card customers, new and old customers will be exempted from the annual fee for the first time from 2017 to 2018. The annual fee for the following year can be reduced by making 12 transactions of 20,000 yuan or using 100,000 transaction points.

Bank of China credit cards have international convenience. No prepayment is required, and you can enjoy 50-day interest-free loans. Moreover, Bank of China’s overseas service network covers 20 countries and regions around the world. The application process is relatively simple. You only need to fill in the application form and attach relevant identity and financial documents. No guarantor or deposit is required.