There are points for credit card purchases, but no points for other purchases. The annual fee ranges from 50 to 300. There is no interest for credit card deposits, and there is a handling fee for withdrawing money. If you want to remit money, it is equivalent to withdrawing cash, and there is an interest of 0.5% per day. There is no interest-free period. There is a 50-day interest-free period for swiping the card, and you have to pay a handling fee for other places.