How much is the annual fee for Guangfa Credit Card? Summary of annual fee charging standards
Cardholders must not be confused about the annual fee for credit cards. If you do not activate some high-end credit cards, you will be charged an annual fee as soon as you open the card. If you leave it unused for a long time and the annual fee is not repaid on time, it will affect your personal credit score. The annual fee for Guangfa Credit Card varies depending on the card type, as detailed below.
How much is the annual fee for Guangfa Credit Card?
1. Personal credit card
The USD Platinum Card is USD300 for the main card and USD180 for the USD Platinum Card is the supplementary card.
The standard platinum card is RMB2500 for the main card, and the standard platinum card is RMB1500 for the supplementary card.
The Premium Platinum Card costs RMB480 for the main card and RMB240 for the supplementary card.
The main card of China Southern Airlines Platinum Card is RMB 2,500, and there is no supplementary card.
The main Air China Platinum Card costs RMB 2,500, and the Air China Platinum Card supplementary card costs RMB 1,250.
The main card of True Love Platinum Card is RMB 2500, and the supplementary card of True Love Platinum Card is RMB 1250.
The main card of Shandong Airlines’ value-added platinum card is RMB 2,500, with no additional cards.
The main card of the Platinum Card is RMB800, and the supplementary card of the Platinum Card is RMB400.
The Dongfeng Nissan Platinum Card is RMB800 for the main card, and the Dongfeng Nissan Platinum Card is RMB400 for the supplementary card.
The main card of Spring and Autumn Platinum Card is RMB800, and the supplementary card of Spring and Autumn Platinum Card is RMB400.
The car owner’s platinum card is RMB 2888 for the main card, and the car owner’s platinum card is RMB 1488 for the supplementary card.
The main card of the Business Travel Platinum Card is RMB 2888, and the supplementary card of the Business Travel Platinum Card is RMB 1488.
The main golf platinum card costs RMB7888, and the golf platinum supplementary card costs RMB3888.
The main card of Infinite Card/World Card is RMB 12,000, and the supplementary card of Infinite Card/World Card is RMB 5,000.
The main titanium card costs RMB480, and the titanium supplementary card costs RMB240.
Zunyue Platinum Card is RMB2,000.
The main card of China Eastern Airlines Platinum Card is RMB2500, and there is no supplementary card.
The main card of Ctrip Platinum Card is RMB800, and there is no supplementary card.
The main universal card is RMB800, and there is no supplementary card.
The main card of Dual Currency Gold Card is RMB260, and the supplementary card of Dual Currency Gold Card is RMB130.
The main dual-currency ordinary card costs RMB90, and the dual-currency ordinary card supplementary card costs RMB45.
Special-shaped card RMB30.
The main RMB gold card costs RMB80, and the RMB gold supplementary card costs RMB48.
The main card of Zhenqing RMB Gold Card is RMB85, and the supplementary card of Zhenqing RMB Gold Card is RMB55.
RMB 40 for the main RMB ordinary card and RMB 30 for the supplementary RMB ordinary card.
The main card of Zhenqing RMB ordinary card costs RMB45, and the supplementary card of Zhenqing RMB ordinary card costs RMB35.
The USD Gold Card is USD30 for the main card and USD18 for the USD Gold Card supplementary card.
USD15 for the main US dollar ordinary card and USD12 for the supplementary US dollar ordinary card.
USD short-term foreign exchange card USD9.
HKD 250 for the main Hong Kong Dollar Gold Card and HKD 150 for the HKD Gold Card supplementary card.
The main Hong Kong dollar ordinary card costs HKD125, and the Hong Kong dollar ordinary card supplementary card costs HKD100.
VISASignature/MasterCardWorld single-identity master card RMB300.
VISASignature/MasterCardWorld single-identity supplementary card RMB150.
2. Personal quasi-credit card
RMB 40 for the main card of RMB Gold Card and RMB 24 for the supplementary card of RMB Gold Card.
RMB 20 for the main RMB ordinary card and RMB 15 for the supplementary RMB ordinary card.
USD Gold Card main card costs USD15, USD Gold Card supplementary card costs USD9.
The main USD ordinary card is USD8, and the supplementary USD ordinary card is USD6.
The USD short-term foreign exchange card is USD5, and the Hong Kong dollar short-term foreign exchange card is HKD40.
The main Hong Kong Dollar Gold Card costs HKD125, and the Hong Kong Dollar Gold Card supplementary card costs HKD75.
HKD 60 for the main Hong Kong dollar ordinary card and HKD 50 for the supplementary Hong Kong dollar ordinary card.
3. Corporate credit card
USD Platinum main card costs USD300, no additional cards; RMB Gold card main card costs RMB160, no additional cards.
The main card of RMB ordinary card is RMB80, without supplementary cards; the main card of USD gold card is USD60, without supplementary cards.
The US dollar ordinary card costs USD30 for the main card, without additional cards; the Hong Kong dollar gold card costs HKD500 for the main card, without additional cards.
The main Hong Kong dollar ordinary card costs HKD250, without additional cards; the business dual currency gold card costs RMB360, without additional cards.
Business dual-currency card is RMB 180 for ordinary cards, without additional cards.
4. Quasi-credit card for enterprises
The main card of RMB Gold Card is RMB80, without supplementary cards; the main card of RMB Ordinary Card is RMB40, without supplementary cards.
USD Gold Card is USD 30 for the main card and there are no supplementary cards; USD Standard Card is USD 15 for the main card and there are no supplementary cards.
The main card of Hong Kong Dollar Gold Card is HKD250, without supplementary cards; the main card of Hong Kong Dollar Ordinary Card is HKD125, without supplementary cards.
Guangfa Credit Card Annual Fee Charging Standard
1. If the customer switches card types, the annual fee will be charged again according to the new card type standard. The annual fee charged for the old card will not be refunded. ;
2. Personal credit card gold cards, ordinary cards and VISASignature/MasterCardWorld single-logo cards are exempt from annual fees in the first year, and the annual fees for the following years are rolled over after swiping the card six times or more;
3. The first supplementary card of Infinite Card/World Card and the business card are free of annual fees;
4. The Zhenshang Platinum Card has been used for 3 transactions (inclusive) within 90 days of issuance and each transaction has exceeded 88 yuan (inclusive) ) is exempt from the annual fee for the first year, and the annual fee for the following years will be waived on a rolling basis by swiping the card 12 times (inclusive);
(The above promotion period is: January 1, 2017 to December 31, 2018)< /p>
5. The golf platinum card annual fee is applicable to 1) customers who newly apply for the GF Golf Platinum Credit Card from January 18, 2016 (inclusive); 2) It expires from January 18, 2016 (inclusive) Update card customers.
6. The annual fee for the VISASignature/MasterCardWorld single-logo card is converted into foreign currency according to the exchange rate on the date of entry.
Note: USD is the United States dollar; HKD is the Hong Kong dollar; RMB is the Renminbi.
How much is the cash withdrawal fee for Guangfa Credit Card?
Guangfa Bank credit card cash withdrawal fee standards
Domestic (RMB card, dual currency card): local counterpart, local inter-bank, non-local counterpart, non-local inter-bank, the minimum charge is 10 yuan, handling fee Domestic (USD card, Hong Kong dollar card) of transaction amount: Overseas (RMB card) of cash withdrawal amount: 3% of cash withdrawal amount, minimum RMB 15/transaction
Overseas (USD card): Cash withdrawal amount of 3%, minimum USD 5/transaction
Overseas (Hong Kong dollar card): 3% of the cash withdrawal amount, minimum HKD 40/transaction
Overseas (dual currency card): 3% of the cash withdrawal amount %, with a minimum of RMB 15/transaction or USD 3/transaction
You must know the complete collection of Guangfa Credit Card cash withdrawal fees and charges
When cardholders apply for Guangfa Credit Cards, banks will base their There is a certain interest-free period for the submitted information and personal credit approval limit, and the credit limit of the credit card, but there is no interest-free period for cash withdrawals. How the cash withdrawal handling fee of Guangfa Credit Card is charged is as follows.
Cash withdrawal fees with Guangfa Credit Card
When cardholders encounter emergencies in urgent need of cash in their daily lives, they may think of withdrawing cash through credit cards.
The cash withdrawal limit provided by Guangfa Credit Card is generally 50% of the credit limit. Some banks will charge a certain handling fee for overdraft withdrawals. Specific standards:
1. Domestic
RMB card, dual card Currency card: 2.5% of the cash withdrawal amount; minimum RMB 10 per transaction;
USD card, Hong Kong dollar card: 2.5% of the cash withdrawal amount;
2. Overseas
< p>RMB card: 3% of the cash withdrawal amount, minimum RMB 15/transaction;USD card: 3% of the cash withdrawal amount, minimum USD 5/transaction;
Hong Kong dollar card: 3% of the cash withdrawal amount, minimum HKD 40/transaction;
Dual Currency Card: 3% of the cash withdrawal amount, minimum RMB 15/transaction or USD 3/transaction.
In addition, banks will also charge cardholders interest for cash withdrawals. Interest will be calculated daily from the date the cash withdrawal transaction is initiated at 0.5% of the daily interest rate until the cash withdrawal balance is paid off in full. . Don’t underestimate the daily interest rate of 0.05%. If a large amount of cash is not repaid for a long time, the interest amount will be very high, equivalent to an annual interest rate of 18.25%.
The annual fee will be waived if you spend as much as you need with Guangfa Credit Card in a year
1. One year is from the opening date of Guangfa Credit Card to the day of the next year. Use Guangfa Credit Card 6 times within this year The annual fee will be waived.
2. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.
3. The interest-free period for overdraft consumption can last up to 50 days. As long as you repay in full before the repayment due date specified by the bank, you can enjoy the interest-free period from the date of transaction to the date of repayment. Interest-free treatment until the payment due date.
4. The repayment method is flexible. You can pay it off in full or choose the minimum repayment amount to enjoy revolving credit and manage your finances more freely.
Guangfa Credit Card Annual Fee Charging Standard:
Guangfa Bank Credit Card RMB Card: The annual fee for the main card is RMB 40/year, and the annual fee for the supplementary card is RMB 30/year. .
Guangfa Bank Credit Card RMB Card Gold Card: The annual fee for the main card is RMB 80 per year, and the annual fee for the supplementary card is RMB 48 per year.
Guangfa Bank Credit Card USD Card: The annual fee for the main card is US$15/year, and the annual fee for the supplementary card is US$12/year.
Guangfa Bank Credit Card USD Gold Card: The annual fee for the main card is US$30/year, and the annual fee for the supplementary card is US$18/year.
Guangfa Bank Credit Card Dual Currency Card: The annual fee for the main card is RMB 90/year, and the annual fee for the supplementary card is RMB 45/year.
Guangfa Bank Credit Card Dual Currency Gold Card: The annual fee for the main card is RMB 260 per year, and the annual fee for the supplementary card is RMB 130 per year.
How to apply for a Guangfa Bank credit card:
Applicants who must be 18-60/65 years old, have a stable job and income, and have good credit standing can apply for a Guangfa Bank credit card. Detailed application materials include proof of identity, employment and financial resources.
1. Online application: Log in to the official website of Guangfa Bank Credit Card, and then follow the interface prompts to select the city of permanent residence, fill in the Chinese name, name pinyin, ID number, certificate validity period, mobile phone number, verification code, and mobile phone SMS verification code, etc., then check the box to activate the GF Credit Card Portal APP "Discover Wonders" simultaneously, and follow the prompts to activate it.
2. Branch application: Bring your ID card, income certificate, etc. to the nearby Guangfa Bank branch, apply for a credit card to the staff, then fill in the form as required and present relevant information to apply for a credit card. .
3. Telephone application: Call Guangfa Bank’s 24-hour credit card service hotline 95508, enter your ID number (letters are replaced by keys, and the input is completed with #), and press 2 to apply for a Guangfa card.
4. SMS application: Edit the SMS "XYK" and send it to 95508 to apply. The bank will contact you to apply for a credit card within 2-5 working days from the date of sending the SMS.
Guangfa Bank credit card annual fee and annual fee exemption policy
Guangfa Bank credit cards are divided into regular cards, gold cards, and platinum cards. The annual fee standards for each credit card are different. As long as they meet Annual fee exemption policy, the annual fee will be waived for the next year. The specific fee standards are as follows:
Applying for a card
Applying for a Guangfa Credit Card with 5 times the points and 1% cash back
1. GF RMB annual fee:
General card: The annual fee for the main card is RMB 40/year, and the annual fee for the supplementary card is RMB 30/year.
Gold Card: The annual fee for the main card is RMB 80/year, and the annual fee for the supplementary card is RMB 48/year.
2. Annual fee for GF USD Card:
General card: The annual fee for the main card is US$15/year, and the annual fee for the supplementary card is US$12/year.
Gold Card: The annual fee for the main card is US$30/year, and the annual fee for the supplementary card is US$18/year.
3. Annual fee for GF Dual Currency Card:
General card: The annual fee for the main card is RMB 90/year, and the annual fee for the supplementary card is RMB 45/year.
Gold Card: The annual fee for the main card is RMB 260/year, and the annual fee for the supplementary card is RMB 130/year.
There is no annual fee for Guangfa Credit Card without opening the card, and the number of purchases is calculated when paying online.
Whether Guangfa Credit Card is a gold card or a regular card, the annual fee exemption rules are the same: the annual fee is waived in the first year, and the annual fee is waived for the next year by swiping the card six times.
That’s it for the introduction of how to charge Guangfa credit card.