1. Huaxia Bank Smart Credit Card enjoys the annual fee exemption for the first year. In the first year, the consumption or cash withdrawal reaches 5, and the annual fee can be reduced in the second year.
2. There is no handling fee for withdrawing cash or getting back the overpaid part of Huaxia Bank's smart credit card. All cities and banks in China can do it.
3. The points of Huaxia Bank's smart credit card consumption can be exchanged for Alipay points, which can be used in five application scenarios such as Taobao Mall and Shuimei to achieve cash use. The conversion ratio is 550: 100.
4. Users who have owned this card for more than one year can apply for exclusive credit report.