The annual fee of Zhongyuan Bank's etc credit card is 200 yuan every year. The etc credit card is exempt from the annual fee in the first year, and the annual fee in the following year can be waived if you swipe your card three times (including high-speed traffic times).

In addition to the annual fee, Zhongyuan Bank will also charge the following fees according to the situation:

1, withdrawal fee. The cardholder uses the credit card to withdraw cash, and the bank charges a handling fee of 1% of the withdrawal amount, with a minimum charge of 4 yuan;

2. Interest. Divided into overdraft consumption interest and cash withdrawal interest. After the repayment date, the overdraft consumer interest will be calculated at the daily interest rate of 0.05%, and will be compounded monthly from the trading day until it is paid off. The interest on cash withdrawal shall be calculated at the daily interest rate of 0.05% from the date of cash withdrawal, and compound interest shall be charged monthly.