Preferred value-added service fees are fees charged by CITIC Bank credit cards for some value-added services provided to cardholders.

These value-added services are mainly to protect cardholders’ card security and other rights and interests, including but not limited to account security, high-value aviation accident insurance, travel insurance, shopping discounts, dining discounts, and airport VIP lounges Services etc. These services are designed to enhance cardholders’ credit card usage experience and increase their loyalty.

Cardholders can choose corresponding value-added services according to their own needs and preferences, and enjoy specific discounts and conveniences. In order to provide these value-added services, CITIC Bank needs to invest certain manpower and resources and cooperate with relevant service providers. Therefore, CITIC Bank will charge a certain fee based on the cost of value-added services and the scope and quality of services provided.