Because some credit cards of CITIC Bank will be charged an annual fee even if they are not used, and they need to be repaid. Most credit cards meet the condition of "annual fee can be waived by swiping several times a year". However, for some high-end platinum credit cards, due to the special treatment enjoyed by cardholders, their high annual fees are sometimes not exempted, or more points are needed to be exempted.

China CITIC Bank Credit Card Annual Fee Standard

Platinum card, distinguished card and main card: RMB 2,000; Supplementary card: 65438 yuan+0,000 yuan.

Elite Card and MasterCard: RMB 480 yuan; Supplementary card: RMB 240 yuan.

Titanium card and main card: RMB 480 yuan; Supplementary card: RMB 240 yuan.

Gold card, main card and dual-currency card: RMB 300 yuan; RMB single currency card: RMB 200 yuan.

Supplementary cards and dual-currency cards: RMB 150 yuan; Rmb single currency card: RMB 100.

Puka and main card: RMB 100; Supplementary card: RMB 50 yuan.

The common credit card repayment methods in China mainly include the following categories (according to the cost level).

1, intra-bank repayment

The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2, mobile phone repayment

Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card.

3. Convenience store repayment

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

4. Online repayment

Common online repayment methods in China are: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yifubao and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

5. Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

6. The counter is connected

Counter link refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the mainframe system of UnionPay Trading Center.

7. New Fortis

"Xinfutong" smart card phone is an innovative electronic product independently developed by China UnionPay, certified by Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

8. Repayment Pass

Using the "Repayment Pass" for repayment, the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

9. Other ways