1. Citic Gold and Puka Credit Cards can be exempted from the annual fee for the first year if they swipe their cards once or withdraw their cash once within 30 days after issuance, and the annual fee for the next year if they swipe their cards for five times in the first year (the amount of swiping cards and withdrawing cash is not limited);
2. The annual fee exemption rules of CITIC Platinum Credit Card and above are not completely consistent. Take I Platinum Card as an example. I Platinum Card is free of annual fee in the first year and 12 credit card is free of annual fee in the second year.
1 Unlike other banks, CITIC Bank will not charge an annual fee if its credit card is not opened.
2. If you swipe your card or withdraw cash once within 30 days of card approval, you can enjoy exemption from the annual fee for the first year;
3 spend 5 times in the first year, and the annual fee is free in the second year; After the number of credit card uses in the next year reaches the standard of annual fee exemption, the annual credit card fee in the next year will be exempted, and so on. However, CITIC Bank has a rigid credit card that charges an annual fee, so it is best to know clearly when handling the card. Secondly, in the eyes of many people, you can avoid the annual fee if you swipe your card a certain number of times or spend a certain amount; The reality is that different banks have different ways of exempting annual fees ~
Credit card annual fee-free skills
1 Considering that the number of credit card swipes and the credit limit of each bank are different, it is best to set an annual reminder;
Many banks can use points to offset the annual fee;
When opening a card, the bank staff must determine the calculation period, calculation conditions and reduction conditions of the annual fee. It's best to remind everyone that the annual fee is not deducted at the end of the year, but determined according to the activation date of the card, but there are also special cases like CITIC Bank that are delayed for 60 days. There are also many bank credit cards that charge an annual fee even if they are not activated. For example, the cost of work is an annual fee in disguise; The bank won't give you money for nothing.
CITIC Bank's credit card annual fee standard: CITIC Credit Card ordinary card: the annual fee of the main card is 65,438+000 yuan, and the annual fee of the auxiliary card is 50 yuan; Gold card of CITIC Credit Card: the annual fee of the dual-currency card is 300 yuan, the single-currency card is 200 yuan, the dual-currency card is 150 yuan, and the single-currency card is 100 yuan;
CITIC Platinum Credit Card: the annual fee of the distinguished card is 2000 yuan, the annual fee of the distinguished card supplementary card 1 000 yuan, the annual fee of the elite card main card 480 yuan and the annual fee of the elite card supplementary card 240 yuan.