What is the annual credit card fee?

Different card-issuing banks have different annual fees; different types and levels of credit cards have different annual fee charging standards.

Annual fee for regular card, gold card and platinum card:

Generally, the annual fee for regular card is 100-150 yuan; the annual fee for gold card is 300-500 yuan, and the annual fee for platinum card is 300-500 yuan. The annual card fee is often more than 1,000 yuan. Data shows that the average annual fee of ICBC's gold card and regular card is the lowest, with an average annual fee of about 100 yuan; the average annual fee of Shanghai Pudong Development Bank's gold card and regular card is higher, about 150 yuan higher than that of ICBC. Normally, the annual fees for regular and gold cards of major banks range from tens to hundreds of yuan.

The detailed annual fees of each bank are as follows:

1. Bank of Communications

Dual Currency Card: 140/70 Gold Card: 200/100

RMB Card: 80/40 Gold Card: 120/60

2. Industrial and Commercial Bank of China

Dual Currency Card: 100/50 Gold Card: 200 /10

RMB card: 50/25 Gold card: 100/50

Standard credit card: 50/25

3. Agriculture Bank

Dual Currency Card: 100/50 Gold Card: 200/100

RMB Card: 80/40 Gold Card: 160/80

4. China CITIC Bank

Dual Currency Card Gold Card: 300/150

RMB Card: 100/50 Gold Card: 200/100

5 .Ping An Bank

Standard credit card, insurance credit card: 100/50 Gold card: 300/150

6. China Guangfa Bank

RMB card 40/30

Dual currency card 90/45

7. China Merchants Bank

General card: 100/50 Gold card: 300/150 VISAMINI card: 150/75

8. Everbright Bank

Regular Card: 80/40 Gold Card: 200/80

9. Minsheng Bank

Regular Card: 100 /50 Gold Card: 300/150 Standard Platinum Card: 600/300

10. China Construction Bank

Regular Card: 80/40 Gold Card, Silver Card: 160/80 Standard Platinum Card: 580/300

How to charge the annual fee for Bank of China credit card, there is no annual fee

The annual fee charging standard for Bank of China credit card:

(1) Bank of China/Great Wall Global Pass Series Products: -Personal Card: Regular Card: Up to RMB 100/card; Theme Card: Up to RMB 280/card; Gold Card/Titanium Card: Up to RMB 360/card;

(2) Platinum card: up to RMB 800/card;

(3) High-end card: up to RMB 3,600/card;

(4) Business card/unit Card: up to RMB 360 per card;

Can be purchased through the official website of Bank of China ()--Bank Card--Service Guide--Card Application Guide--Bank of China Credit Card Service Charge Price List Query.

In the year when the credit card is used, if the accumulated card consumption in the local and foreign currency accounts in the year meets the following conditions, the annual fee for the current year can be reduced or exempted, except for special card types:

1. Personal Gold Card is free of charge. The annual fee is waived for the next year if you make 5 transactions; the annual fee reduction policy for supplementary cards is the same as for the main card;

2. New platinum card customers from 2017 to 2018 will be exempted from the first-year annual fee, and old customers and new customers will be exempted. The annual fee for the following year needs to be waived with 12 transactions of 20,000 yuan or more, or 100,000 transaction points can be used to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same as that for the main card.

3. All-currency international chip series gold, regular and platinum credit cards: annual fee is waived when applying for a card before December 31, 2018.

The above content is for your reference, please refer to actual business regulations.

How to pay the annual fee for a credit card

Usually, the annual fee for a credit card is charged based on the time the user opens the card. For example, after the card is opened and activated in January this year, the annual fee will be charged in January of each subsequent year.

When collecting, the bank will deduct it from the user's credit limit and include it in the user's bill. The user only needs to pay off the bill on the repayment date. The operation is very convenient.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides gift points.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe your card for consumption, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use your card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

This is the end of the introduction on how to charge the annual fee for a credit card and whether there is an annual fee for applying for a credit card? Is there an interest fee? Have you found the information you need?