Call China Merchants Bank’s 24-hour credit card service hotline: 400-820-5555 and ask the customer service staff to find out the card level and type.

1. Limit

The maximum limit for Gold Card is RMB 50,000, and the maximum limit for Regular Card is RMB 10,000.

2. Annual fee

The main card of China Merchants Bank’s gold credit card is RMB 300 per year, and the main card of ordinary card is RMB 100 per year. The first-year annual fee will be paid in advance by the bank or partner, and the annual fee for the next year will be waived by swiping the card 6 times (except for some special card types).

3. Discounts

Chinese Merchants Bank Credit Card Gold Card holders can enjoy more card payment discounts and conveniences. For example, overseas, China Merchants Bank provides free emergency replacement cards and other services to gold card holders.

Extended information:

Relevant provisions of "China Merchants Bank Credit Card Regulations (Ninth Edition)"

The card issuer decides whether to issue a card based on the applicant's credit status , whether the applicant is required to provide guarantee and the method of guarantee, determine the method and type of card collection, the credit limit of the account, the overdraft interest rate and the minimum repayment ratio of the account, etc. Application materials that have not been approved by the card issuer will not be returned.

In addition to credit card accounts, some chip (IC) cards issued by card issuers also support electronic cash accounts. Electronic cash accounts have all or part of the functions of electronic cash account transactions such as small-amount fast payments, balance inquiries, and recharges, but do not have other payment and settlement functions such as overdrafts, transfers, and cash withdrawals. Electronic cash accounts are anonymous, do not report losses, do not accrue interest, and do not provide statements.

Guarantee methods include: guarantee, mortgage and pledge. If a guarantee is provided, the relevant parties should sign a separate corresponding guarantee contract. The scope of the guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest, liquidated damages, various handling fees and recourse fees for overdrafts within the account credit limit and overdrafts beyond the account credit limit).

China Merchants Bank - What is China Merchants Bank Credit Card Gold Card?

China Merchants Bank-China Merchants Bank Credit Card Regulations (Ninth Edition)