China Merchants Bank’s all-currency international credit card VISA
Hello, China Merchants Bank’s all-currency international credit card 1) All-currency international credit cards can automatically purchase foreign exchange and make repayments in RMB 2) Within the validity period No additional credit card annual fee 3) Any ++ consumption around the world, 0 currency exchange handling fee Warm reminder: This card has an automatic foreign exchange purchase function by default and cannot be canceled. ++ consumption is credited to the account for repayment, and ++ repayment is not supported . This card cannot be used on UnionPay lines or on machines not partnered with China Merchants Bank. If you need to make transactions through the above channels, it is recommended that you apply for other credit card products of China Merchants Bank. International credit cards in all currencies do not currently support repayment through UnionPay channels (including transfers from other banks, over-the-counter transfers, Xinpay Lakala, etc.). 1. If you have multiple CMB credit cards under your name, you can repay to Credit cards with the UnionPay logo can be repaid through any repayment channel, because the bills for all-currency cards are also issued together; 2. If you only have a full-currency card under your name, our bank's over-the-counter cash payment and over-the-counter transfers are currently supported. Payment, automatic deduction, online banking public version, professional version payment, CDM cash deposit of our bank, mobile life, mobile banking, Alipay, Tenpay and other repayment methods. You can click on the link to inquire:
Is the China Merchants Bank all-currency card free of annual fees for life?
China Merchants Bank’s all-currency credit cards are free of annual fees for life.
All ++ transactions (including card swiping, online shopping, and withdrawals) automatically purchase foreign exchange and deposit it into your account in RMB. You only need to repay the bill in RMB.
Disadvantages of China Merchants Bank’s all-currency international credit card: Visa single channel, no UnionPay logo, Alipay cannot be used for repayment, domestic non-Visa channel credit card swiping channels.
China Merchants Bank’s all-currency international credit card (also known as all-currency card) is a signature all-currency international credit card launched by China Merchants Bank and VISA. The card supports VISA lines, and no matter what currency, the 1.5% foreign exchange fee will be waived for consumption or cash withdrawal. All ++ transactions will automatically purchase foreign exchange and enter it into the account in RMB, and only need to repay in RMB. At the same time, the card comes with high-value travel insurance.
Extended information:
Features of China Merchants Bank Card
1. One card for multiple accounts with current deposits in RMB, US dollars, Hong Kong dollars, Japanese yen, euros and other currencies , fixed-term and other types of savings accounts.
2. Deposits and withdrawals of various types of deposits and withdrawals can be handled at any branch of China Merchants Bank in the same city; deposits and withdrawals in other places for RMB, Hong Kong dollar and US dollar current savings accounts can be handled at branches across the country.
3. Automatic transfer of deposits. If there is a lump sum deposit and it expires, the bank will automatically transfer the deposit to the original deposit period with interest.
4. Self-service transfer After applying for the self-service transfer service function at the CMB counter, you can directly use the relevant self-service channels of e-banking to handle the following businesses:
① Via online banking, mobile banking, Use ATM self-service equipment and self-service inquiry terminal channels to handle fund transfers between the same city's "all-in-one card" and passbooks for the same customer;
② handle transfers to the bank through online banking, mobile banking, ATM self-service equipment, and self-service inquiry terminal channels Fund transfer to any pre-designated account;
③ Fund transfer to any third-party account through online banking, mobile banking, ATM self-service equipment, and self-service inquiry terminal channels;
Special instructions: handle fixed and active transfers between RMB accounts in the same "all-in-one card" or accounts of the same banknote and exchange type. There is no need to go to the counter to apply for the application, it will be automatically activated by the computer system.
5. Merchant consumption is settled directly at the merchants authorized by China Merchants Bank and China UnionPay.
6. Withdrawal from ATMs: RMB current withdrawals, password changes, third-party transfers, current account balance inquiries and other services can be handled at the ATMs of CMB where the account is opened; RMB can be processed at the ATMs of CMB where the account is not opened. Current withdrawals; you can also handle RMB current withdrawals, current account balance inquiries and other services at the ATMs of other banks that have joined China UnionPay.
7. The self-service deposit machines at the place where CMB opened an account can handle RMB current deposits, lump sum deposits and withdrawals, and odd deposits and lump sum withdrawals, etc.; at any self-service deposit machine of China Merchants Bank, you can handle all-in-one card-bearing deposits. Or deposit without a card. Among them, deposit without a card does not support the deposit of old eight-digit cards from our bank.
8. Inquiry services: China Merchants Bank counters, self-service banking, telephone banking, online banking, mobile banking and other channels provide customers with deposit interest rates, exchange rates, business profiles and various accounting inquiries.
9. Telephone Banking CMB Telephone Banking provides automatic voice services and manual services.
① Dial 95555 directly and follow the automatic voice prompts to handle account inquiries, transfers, loss reports and other services.
②95555 telephone banking manual service can provide 24-hour business consultation services and accept customer complaints.
10. Mobile Banking As the first domestic financial company to launch mobile banking, China Merchants Bank continues to innovate and launches a series of new generation mobile banking products, including iPhone version, JAVA version, Mobile version, web version, WAP version, etc., to meet the various needs of customers.
11. Online Personal Banking Professional Edition After applying for the "Online Personal Banking Professional Edition" function at the China Merchants Bank counter, you can simultaneously manage all-in-one cards, passbooks, and credit cards through online banking, and perform transfers and remittances, self-service payment, investment management, Loan management, financial planning, financial analysis, function application and other services.
12. Online personal banking public version With the China Merchants Bank One Card, you can handle the following personal banking services directly through online personal banking (public version): account inquiry, self-service transfer, self-service payment, online payment, investment management, and loan Management and other business.
13. Online payment: After applying for the "online payment" function at the CMB counter or online banking, you can purchase goods or enjoy other services online from special merchants in the CMB online mall, and complete the payment of consumer funds simultaneously. .
14. Bank-securities transfer After applying for the bank-securities transfer service function at the counter of China Merchants Bank or a designated securities dealer of China Merchants Bank, you can realize the current account opened with a designated securities dealer through self-service equipment such as telephone banking and online banking of China Merchants Bank. Mutual transfer of funds between securities margin accounts. This function is mainly applicable to the transfer of ++ funds between current accounts and securities margin.
15. After the third-party custodian is pre-designated at the counter of the securities firm and the third-party custodian function is confirmed at the counter of China Merchants Bank (some securities companies can open a one-stop third-party custodian account at the counter of the securities firm), go through Electronic banking self-service equipment such as China Merchants Bank's telephone banking and online banking can realize the mutual transfer of funds between current accounts and securities margin accounts opened at designated securities firms. This function is mainly applicable to the transfer of RMB funds between current accounts and securities margin accounts. transfer.
16. Yinjitong can handle various open-end fund subscription, subscription, redemption and other transactions and inquiry services through the counter, telephone banking, online banking, and mobile banking, and other open-end funds can be transferred to custody Transfer-out and other services are handled at the counter.
17. For entrusted financial management, you can check financial product information, account holdings, current transaction orders, account historical transactions and other information through our bank's counter, telephone banking, online banking, mobile banking and other channels, and you can also handle our Conduct transactions such as subscription, subscription, redemption, and order cancellation of financial products.
18. For insurance agency business, you can purchase various insurance products at various outlets of China Merchants Bank with your all-in-one card, insurance policy, ID card and other insurance materials, and enjoy telephone sales and online sales of insurance and financial management services.
19. After the gold business has opened the "Zhaocaijin" agent personal gold trading business through the corresponding channel of China Merchants Bank, the buying and selling of various precious metal trading varieties listed on the exchange can be carried out through different channels. and other business such as transaction entrustment and inquiry, and can handle the purchase of personal gold and silver investment products of China Merchants Bank through the counter channels of China Merchants Bank.
20. After applying for personal foreign exchange trading business at the CMB counter or online banking professional version, you can conduct foreign exchange transactions through CMB telephone banking, self-service inquiry terminal, online personal banking professional version, wealth account professional version and other channels. Entrustment, inquiry and other services. Customers can easily participate and invest in the international foreign exchange market to obtain certain investment returns.
21. After signing an agreement with China Merchants Bank, self-service loans are pledged with the self-owned ++ time savings deposits deposited in the China Merchants Bank all-in-one card, and can be obtained through electronic banking self-service equipment such as telephone banking, online banking, and self-service terminals. Apply for a loan from China Merchants Bank and repay it yourself through the above channels.
22. After applying for the self-service payment service function at the counter of China Merchants Bank or through electronic banking channels such as telephone banking, online banking, and mobile banking. Self-service payment of various fees to CMB's special charging units through CMB's telephone banking and online banking.
23. Agency business According to the written authorization of the unit or individual, the bank can handle salary payment or pay various fees for the unit or individual.
Reference materials: All-in-one card | Change because of you, achieve your dreams_China Merchants Bank
China Merchants Bank visa full-currency credit card annual fee
China Merchants Bank visa full-currency credit card There is no annual fee for this credit card. Holders of China Merchants Bank's all-currency international credit cards will be exempted from the annual credit card fee without any additional consumption conditions within the validity period of the card.
Whenever, where, and what type of ++ is used, the 1.5% foreign exchange fee will be waived for consumption or cash withdrawal with this card. No matter where in the world you use this card to conduct ++ transactions, you can automatically purchase foreign exchange to record accounts in RMB, and you only need to repay in RMB.
Credit card annual fee:
Different credit card levels have different annual fee charging standards. Different card-issuing banks have different annual fees. Generally speaking, the annual fee for a regular card is 100-150 yuan, the annual fee for a gold card is 300-500 yuan, and the annual fee for a platinum card is often more than 1,000 yuan.
1. Can I waive the annual fee for a credit card?
The college student card launched for college students is free for life. Most ordinary cards and gold cards are free of annual fees in the first year of opening the card. After that, if the number of card swipes meets the bank's requirements, the annual fees for the next year can be waived. Since customers who can apply for a platinum card are generally financially strong, considering that people are not short of this small amount of money, the annual fee is not waived. The credit card annual fee is charged as follows: The credit card is free of annual fee for the first year. Assuming that the card is opened in March, the annual fee for the next year will be charged in March.
2. Is the annual credit card fee the only expense?
In fact, many credit cards have an annual fee, which is similar to a service fee. In other words, even if you don't use the credit card, you'll still have to pay an annual fee. This also makes many people ignore it, which ultimately leads to a lot of unnecessary trouble. It’s true that credit cards are interest-free, but that doesn’t sum up everything. In fact, many credit cards still accrue some interest. Nowadays, you need to pay a certain handling fee when withdrawing cash with a credit card.
If you want to apply for a new credit card, many banks need to pay a loss reporting fee of 50-60 yuan, but in fact, this money is not necessary. That is to apply for card cancellation and then apply again. However, when using this method, you must be prepared. Don't forget to pay back the previous debt. Another thing is that you may be blocked when applying for the same type of credit card, and you can only apply for other types.
The annual credit card fee refers to the fee that the cardholder has to pay to the bank during the use of the credit card. The annual credit card fee generally starts after the cardholder activates the credit card and is charged annually. Each bank has different annual fee policies and charges different amounts.
Annual fee for China Merchants Bank credit card:
If you successfully apply for a China Merchants Bank credit card, the annual fee for the first year will be waived or waived by the China Merchants Bank credit card or its partners in advance. The annual fee for the second year will be reduced by swiping the card 6 times (with no limit on the amount) within the whole year (from the card issuance date, not a natural year), and the annual fee for the third year will be reduced by swiping the card 6 times in the second year. If you spend 6 times with a single card (no limit on amount or form), the annual fee for the card in the following year will be reduced. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time. The number of online purchases can also be accumulated into the 6 times of reduction or exemption of the annual fee for the following year. Infinite Card/Platinum Card/Business Card/ANA Co-branded Card/VISAMINI Card/MSN
That’s it for the introduction of China Merchants Bank visa all-currency credit card.