The owner cards of CITIC Bank are divided into standard owner gold card, platinum elite card and platinum distinguished card. Gold cards charge an annual fee, and new users are exempt from the annual fee for the first year. Old users pay the annual fee of 200 yuan in the first year, and they can be exempted from the annual fee of the second year if they spend five times in that year. Gold card can enjoy 8% cash back of the refueling amount every month, with a maximum of 80 yuan. Platinum Elite Card can enjoy a monthly cash back of 10% of the refueling amount, with a maximum of 100 yuan. Platinum exclusive card can enjoy 15% cash back of fuel amount every month, up to 150 yuan.