Smart is a credit card.

Smart is a credit card product launched by China Merchants Bank for young users. The annual fee for a SMART credit card is about 200 yuan. The annual fee is waived in the first year. If the card is swiped 5 times within a year, it will be waived. The annual fee for the next year, the longest interest-free period for SMART credit cards is 60 days, and the maximum credit limit is usually 50,000 yuan. If the cardholder has unlimited withdrawals, he or she can withdraw 30% of the credit limit for free.

If you use this card to withdraw cash, no handling fee will be charged whether you withdraw cash locally or from another place, whether you withdraw cash from our bank or another bank.