Annual fee standard of Great Wall/Bank of China Platinum Credit Card (Extreme Edition and Elite Edition): main card 800 yuan/year; The supplementary card is free.
Discount at this stage: the first year is free.
At the present stage, the reduction and exemption policy: the annual fee for the following year is exempted or the 12 comprehensive points are used for redemption.
The above annual fee discount is applicable from June 65438+1 October1to June 65438+February 3 1.
The above contents are for your reference. Please refer to the actual business regulations.
JD.COM Platinum Credit Card of Bank of Communications is free of annual fee for life.
JD.COM Platinum Credit Card of Bank of Communications is exempted from the annual fee for life, that is, the first platinum card under the name of Bank of Communications customers is exempted from the basic annual fee within the validity period, and private banking customers who meet the renewal criteria continue to be exempted from the basic annual fee within the validity period, and those who fail to meet the renewal criteria are charged at half the basic annual fee, that is, 500 yuan/year.
How to avoid the annual fee of platinum credit card is mainly to brush it.
The annual fee is often the biggest headache for cardholders who covet the premium rights of platinum credit cards. It can be said that it is the annual fees ranging from hundreds to thousands that keep most cardholders who want to apply for bank platinum credit cards out of the door. So how to avoid the annual fee of Platinum Credit Card? Can you cleverly avoid the high annual fee and enjoy the benefits of platinum card? I'll answer this question for you today.
How much is the annual fee for Platinum Credit Card?
Under normal circumstances, the annual fee of Platinum Credit Card is around 800-2000 yuan. For example, the annual fee of Bank of Communications Platinum Credit Card is 1 1,000 yuan/year; Annual fee of ICBC Platinum Credit Card is 2000/ year; The annual fee for the Platinum Card of China Everbright Bank is 1 188 yuan/year. Moreover, unlike ordinary cards, the annual fee of platinum credit cards cannot be exempted according to the cumulative number of swipes, and there are few preferential policies.
How to exempt platinum credit card from annual fee
So how can platinum credit cards be exempted from annual fees? In fact, considering this factor, major banks have also introduced many kinds of cards, and the annual fee policy is relatively loose, mainly including the following:
1. China Construction Bank standard platinum credit card, the annual fee of the current year is exempted when the credit card is spent 18 times (unlimited amount);
2. CITIC VisaSignature Credit Card enjoys exclusive annual fee-free discount during the validity period;
3. CITIC I Platinum Credit Card is exempt from the annual fee in the first year, and the annual fee is reduced 12 times in the next year (including cash withdrawal);
4. VisaSignature Platinum Card of China Merchants Bank, free of annual fee for life, with no additional conditions;
5, Shanghai Pudong Development Bank Platinum Card, swiping the card for 6 times can reduce the annual fee for the following year;
6. Huaxia Bank Platinum Card is free in the first year, and 20,000 points will be exchanged for annual fees in the following year;
7. Guangfa Zhenshangbai Credit Card, if you swipe the card three times (inclusive) within 90 days after issuing the card, the annual fee for the first year is exempted for every 88 yuan (inclusive), and the annual fee for the next year is exempted for swiping the card 12 times or more (inclusive);
8. Everbright Business Travel Platinum Card. In the first year, the main card can deduct 500 yuan 65438+ million points; Deduct 200,000 points from the annual fee of the supplementary card; The next year, the main card can deduct 200,000 points; Deduct 200,000 points from the annual fee of the supplementary card.
After reading the above skills, I believe that everyone is no longer at a loss about how to avoid the annual fee for platinum credit cards. It can be seen that if you want to enjoy the preferential policy of free annual fee, you should mainly swipe your card more and make good use of your own credit card. Of course, I would like to remind you warmly that while maintaining the frequency of credit card use, we should always pay attention to the problem of credit limit to avoid bringing too much repayment burden to ourselves.
How to avoid the annual fee for Platinum Credit Card of China Bank?
Platinum card free of annual fee conditions (except special card types):
Old customers and new customers need to pay the annual fee of 12 for the next year and reduce or exempt more than 20,000 yuan, or exchange 65,438+10,000 trading points for the annual fee; The annual fee exemption policy for supplementary cards is the same as that for main cards.
If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.
The above contents are for your reference. Please refer to the actual business regulations.
Those large platinum credit cards that are free of annual fees and easy to use.
Is it true that small credit cards can no longer meet your consumption needs, and the annual fee for large credit cards is very high? what can I do? Don't worry, I'll give you an inventory of the large platinum cards that are free of annual fees, so that you can enjoy the benefits of high credit cards, and there are also free of annual fees!
1, exquisite platinum card of China Merchants Bank
Annual fee rules: the main card has an annual fee of 800 yuan, and the first two supplementary cards are free of annual fees. Free annual fee for the first year; Brush enough 80 thousand in that year, and swipe the card 20 times at the same time to avoid the annual fee of the following year.
2. Bank of Communications Pacific Platinum Credit Card
Annual fee rules: the annual fee of the main card 1000 yuan, and the annual fee of the auxiliary card is free. 250,000 points can be deducted from the annual fee of the current year.
Provide highlights
3. CITIC Bank MasterCard Standard Elite Platinum Card
Annual fee rules: the annual fee for the main card is 480, and the annual fee for the auxiliary card is 240 yuan. The main card with 60,000 points can be exempted from annual fee; 240 yuan is exempt from the annual fee when he reaches 30,000 points. The charge for the secondary card is halved.
4.ABC Premium Platinum Card (Elite Edition)
Annual fee rule: you can avoid the annual fee for the following year by swiping your card for 30 times.
5. China Industrial and Commercial Bank Platinum Card
Annual fee rule: the annual fee of the main card 2000 and the sub card 1000 can be deducted from the annual fee of the current year; If the score exceeds 200,000 points, the bank will voluntarily reduce the annual fee for that year.
6. Industrial Bank Bai Rui Gold Card
Annual fee rule: 3,000 yuan within 60 days of the first year; If the accumulated installment amount reaches 5000 within one year, the annual fee for the following year will be reduced or exempted, or if the balance of points on the day when the annual fee is collected reaches 30000 points, the annual fee for the following year will be automatically deducted.
7. Everbright Business Travel Platinum Card
Annual fee rules: 380 yuan 6,543,800+points or 680 yuan in the first year, and 200,000 points in the second year will be deducted from the annual fee!
8. Guangfa enjoys the Platinum Card.
Annual fee rules: the annual fee of the main card is 800 yuan, and over 80,000 points can be exchanged for the annual fee of 400 yuan; The secondary card is halved.
9. China Bank Elite Platinum Card
Annual fee rule: 65438+100000 yuan is free of annual fee.
10, Standard Platinum Card of Minsheng Bank
Annual fee rule: brush 18 times without annual fee. Must be a physical credit card with points at the same time.
1 1, CCB standard platinum card
Annual fee rule: annual fee 520 yuan. Credit card 10 times, free of the current year fee.
12, Huaxia Bank Platinum Card
Annual fee rule: brush 5 times to avoid the annual fee for the following year.
13, Platinum Card of Shanghai Pudong Development Bank
Annual fee rule:
Standard version: brush enough for 30 thousand; Simplified version: there is no credit card record for 6 months in a year.
Pufa Accelerated Points Platinum: Pufa Accelerated Platinum Card has been changed now, as long as it is 6 times a year, instead of 6 consecutive months per month/kloc-0 times a year, and the next year is free of charge.
Pufa Zunbo, one-year consumption 18000, free of the annual fee for the second year.
Tips: Large platinum credit cards free of annual fees may be different from ordinary high-value credit cards, depending on the specific regulations of each bank. If you want to apply for a large platinum credit card, you must bring all the information to the bank in person.
So much for the introduction of the annual fee-free platinum credit card.