Is the ICBC Changlong co-branded credit card free of annual fee for life?

ICBC Chimelong co-branded credit cards are issued in the form of "11", that is, a UnionPay brand RMB card and a VISA brand multi-currency card. The annual fee for the 11-card gold card is 2 yuan every year, and the annual fee is charged for both cards according to 1 yuan; 11 The annual fee for Puka is 1 yuan, and the annual fee for both cards is charged according to 5 yuan; The annual fee for Platinum Card is 2 yuan per year, and the annual fee for both cards is charged according to 1 yuan.

Tips:

Personal gold card and ordinary card holders can reduce the annual fee of the main and secondary cards this year if their accumulated spending on swiping cards reaches 5 or 5, yuan or the equivalent. The annual fee of the main and secondary cards can be reduced or exempted if the accumulated spending of the Platinum Card reaches 2, yuan or its equivalent (excluding the consumption of merchants who are deemed by ICBC as unable to accumulate points) during the card use year.

(Answer time: May 28th, 219. In case of business changes, please take the actual situation as the standard. )

Is there an annual fee for ICBC Chimelong's joint credit card

ICBC Chimelong's joint credit card is not free of annual fee for life. The annual fee for Chimelong co-branded credit cards before December 31st, 215:

1. Platinum cards are exempt from the annual fee for the first year.

2. Jinpu Card is free of the annual fee within the validity period.

After that, the annual fee standard for Changlong co-branded credit cards:

Changlong tourism co-branded cards are divided into general cards, gold cards and platinum cards, that is, the annual fees are 5, 1 and 2 respectively.

ICBC's annual fee is charged after using it first, that is, the annual fee will be charged after opening the account for one year. In this year, as long as five or 5, yuan (3 student cards or 3, yuan, 16, points of Platinum cards are exchanged for annual fees or 2, yuan is exempted).

how much is the annual fee for ICBC Changlong's joint credit card? Can the annual fee be reduced?

ICBC Changlong co-branded credit card, a popular credit card, has not only been handled by many people, but also been discussed by many people. Many people are discussing the rights, quota and annual fee of this co-branded credit card. Then, what is the annual fee for ICBC Changlong's joint credit card? Can the annual fee be reduced? I will answer your questions today.

how much is the annual fee for ICBC Changlong's joint credit card?

ICBC Changlong co-branded credit card has three grades: general card, gold card and platinum card, and there are two categories: UnionPay card and VISA card.

1. The annual fee for ICBC's general credit card is 1 yuan for the main card and 5 yuan for the supplementary card;

2. The annual fee for the ICBC credit card gold card is 2 yuan for the main card and 1 yuan for the supplementary card;

3. The annual fee for the Platinum Card of ICBC Credit Card is RMB2, per year for the main card and RMB2, per year for the supplementary card in 1 yuan.

Can the annual fee of ICBC Changlong's joint credit card be reduced?

although ICBC credit cards will charge a certain annual fee regardless of the card grade, the annual fee of ICBC Changlong co-branded credit cards can be reduced or exempted.

the general card and the gold card of this joint credit card are directly free of annual fees during the validity period of the card. The platinum card of this co-branded credit card is also directly exempted from the annual fee for the first year, and you can also exchange the annual fee for the next year with 16, points, or if you spend more than 2, in that year, the annual fee for the next year can also be exempted.

how to distinguish between ICBC Changlong co-branded credit card gold card and platinum card

1. Difference of application conditions

Banks will grant gold cards to high-quality customers. In addition to meeting the basic requirements for applying for a credit card, people with an annual income of more than 4, yuan are more likely to be granted a gold card.

Platinum card is a credit card issued by card issuers to distinguish it from gold card customers, and it provides higher-end services and benefits than gold card. Usually, banks will take the initiative to invite qualified customers to apply for platinum cards, and platinum card customers can enjoy platinum customer service hotline service and distinguished value-added services. In general, the application criteria for platinum credit cards in banks are mostly annual salary of more than 1, yuan or financial proof of more than 5, yuan.

second, the difference of credit line

the credit card line refers to the maximum amount that the bank can overdraw for the credit card according to the cardholder's assets and credit status. The higher the amount, the more money you can overdraw. Of course, the repayment pressure is also greater.

the amount of a credit card gold card is generally between 1, yuan and 5, yuan; Platinum cards are around 1,, or even as high as 5,.

Third, the difference of annual fee

The annual fee of the credit card gold card will be lower than that of the platinum card, and the annual fee-free discount standard gold card will be lower than that of the platinum card. Moreover, there are many banks that offer platinum cards with no annual fee reduction or exemption.

fourth, the difference of credit card benefits

because of the different card grades, the credit card benefits enjoyed are different. Generally, the platinum card of credit card can enjoy higher discount and redeem bonus gifts at preferential merchants, while the gold card can enjoy lower discount, and the platinum card can enjoy many value-added services provided by banks. For example: VIP lounge at the airport, free golf, no queues at banks, etc.

V. Difference of lost card protection

Lost card protection means that the bank will freeze the credit card account after the credit card is lost or stolen, so as to avoid the stolen credit card and compensate the losses after the stolen credit card is stolen. Different credit card grades have different coverage for natural card loss. At present, many banks, such as ICBC, China Everbright and Shanghai Pudong Development Bank, have no card loss protection services, while banks such as Bank of China and Agricultural Bank of China are only open to platinum card customers.

generally speaking, the biggest difference between a gold card and a platinum card lies in the amount and the rights enjoyed. When applying for a credit card, you must consider your own economic strength and consumption needs, and choose the card that suits you, instead of blindly pursuing the card grade.

What are the rights and interests of ICBC Changlong's joint credit card?

ICBC Chimelong Co-branded Credit Card is a credit card jointly issued by ICBC and Chimelong Group. It is issued in platinum and gold cards, and you can enjoy the following benefits when using this card:

1. Annual fee: 2 yuan/card/year for platinum card, 2 yuan/card/year for gold card and 1 yuan/card/year for Puka;

2. Enjoy a 3-day repayment grace period;

3. Free of foreign exchange fees;

4. All theme parks, performing arts tickets and designated places in Chimelong enjoy discounts;

5. If you become a Chimelong member automatically, you can accumulate points according to the points rules of ICBC and Chimelong Club respectively;

6. Before May 31st, 221, you will have the chance to win Chimelong tickets by participating in the game "Fun Zone-Animal Lian Meng" of ICBC E Life. ★ Holders of MasterCard brand Chimelong Card can enjoy exclusive discounts by booking scenic spots tickets through KLOOK or hotels through Agoda before November 3, 221, and have the opportunity to participate in Kaka, Sophia Kao welcome ceremony and Chimelong consumption ceremony before December 31, 221.

Tips: Please refer to the latest announcement of Chimelong official website, WeChat WeChat official account or Chimelong Travel App for the specific rights and interests of Chimelong members.

(Answer time: June 3, 221. In case of business changes, please refer to the actual situation. )

ICBC Changlong co-branded credit cards are available for two. Isn't there an annual fee for two?

ICBC (Chimelong) co-branded credit cards charge annual fees according to the following standards:

1. Puka: main card 1 yuan/card/year, and auxiliary card 5 yuan/card/year;

2. Gold card: 2 yuan/card/year for the main card and 1 yuan/card/year for the auxiliary card;

3. Platinum card: 2, yuan/card/year for the main card and 1 yuan/card/year for the auxiliary card.

Tips:

1. During the card-using year, the annual fee for this year can be reduced if the accumulated consumption of gold card and general card is 5 or 5, yuan (equivalent), and the consumption of platinum card reaches 2, yuan;

2. unionpay single identification card and VISA single identification card are charged according to half of the corresponding card grade standard respectively.

3. the annual fee of unionpay single identification card and VISA single identification card will be reduced or exempted at the same time if any card is used or two cards are used cumulatively.

(Answer time: October 28th, 219. In case of business changes, please take the actual situation as the standard. )

Let's stop here for the introduction of the annual fee of Changlong Credit Card.