1.5 percent, 2.1 percent, 2.75 percent. According to the query on the official website of China Construction Bank: China Construction Bank Credit Card is a credit card product launched by China Construction Bank. The base interest rate is 1.5% for 1 year, 2.1% for 2 years, and 2.75% for 3 years. Customers can Spend first and repay later, and enjoy a certain interest-free period.