Does Guangfa Bank Credit Card have an annual fee?

Guangfa Bank Credit Card has an annual fee. The annual fee calculation cycle for Guangfa Bank's credit cards is calculated from the day the new card is activated. If the conditions for annual fee exemption are not met, the system will deduct the annual fee on that day of the next year.

Guangfa Bank credit card annual fee standard:

1. Ordinary card: 40 yuan for main card, 30 yuan for supplementary card;

2. Gold card: main card 80 yuan, supplementary card 48 yuan;

3. Titanium Card: 480 yuan for the main card, 240 yuan for the supplementary card;

4. Premium Platinum Card: 480 yuan for the main card, Supplementary card 240 yuan;

5. Standard Platinum Card: 2,500 yuan for the main card, 1,500 yuan for the supplementary card;

6. Infinite Card/World Card: 12,000 yuan for the main card, 1,500 yuan for the supplementary card 5,000 yuan.

The full name of China Guangfa Bank is China Guangfa Bank Co., Ltd. It is one of the earliest joint-stock commercial banks in China. It was established on the banks of the Pearl River in 1988 and is now headquartered in Guangzhou, Guangdong Province, China.

On April 8, 2011, the original name "Guangdong Development Bank Co., Ltd." was officially changed to "Guangfa Bank". Mainly engaged in comprehensive financial services business, later "China Life" bought a large number of shares in China Guangfa Bank and became the largest shareholder.

The business scope of China Guangfa Bank is all banking businesses stipulated in the "Commercial Bank Law", which mainly includes: absorbing public deposits, issuing short-term, medium-term and long-term loans; handling settlements; handling bill discounts; and issuing financial bonds; Agency for issuance, redemption, and underwriting of government bonds; buying and selling of government bonds; engaging in inter-bank lending; providing letter of credit services and guarantees; agency for collection and payment and insurance agency business; provision of safe deposit box services; foreign exchange deposits; foreign exchange loans; foreign exchange remittances; foreign currency exchange; International settlement; settlement and sale of foreign exchange; inter-bank foreign exchange lending; acceptance and discounting of foreign exchange bills; foreign exchange borrowings; foreign exchange guarantees; issuance of foreign exchange credit cards; buying and selling and agency sales of foreign currency securities other than stocks; issuance and agency issuance of foreign currencies other than stocks Negotiable securities; self-operated and client-operated foreign exchange trading; agency for foreign credit card issuance and payment services; offshore financial services; credit investigation, consultation, and witness services. Other businesses approved by the People's Bank of China and the China Banking Regulatory Authority.

Guangfa Bank credit card annual fee and annual fee exemption policy

Guangfa Bank credit cards are divided into regular cards, gold cards, and platinum cards. The annual fee standards for each credit card are different. As long as they meet Annual fee exemption policy, the annual fee will be waived for the next year. The specific fee standards are as follows:

Applying for a card

Applying for a Guangfa credit card will give you 5 times the points and 1 cash back

1. GF RMB annual fee:

General card: The annual fee for the main card is RMB 40/year, and the annual fee for the supplementary card is RMB 30/year.

Gold Card: The annual fee for the main card is RMB 80/year, and the annual fee for the supplementary card is RMB 48/year.

2. Annual fee for GF USD Card:

General card: The annual fee for the main card is US$15/year, and the annual fee for the supplementary card is US$12/year.

Gold Card: The annual fee for the main card is US$30/year, and the annual fee for the supplementary card is US$18/year.

3. Annual fee for GF Dual Currency Card:

General card: The annual fee for the main card is RMB 90/year, and the annual fee for the supplementary card is RMB 45/year.

Gold Card: The annual fee for the main card is RMB 260/year, and the annual fee for the supplementary card is RMB 130/year.

There is no annual fee for Guangfa Credit Card without opening the card, and the number of purchases is calculated when paying online.

Whether Guangfa Credit Card is a gold card or a regular card, the annual fee exemption rules are the same: the annual fee is waived in the first year, and the annual fee is waived for the next year by swiping the card six times.

How much is the annual fee for Guangfa Credit Card? Summary of annual fee charging standards

Cardholders must not be confused about the annual fee for credit cards. If you do not activate some high-end credit cards, you will be charged an annual fee as soon as you open the card. If you leave it unused for a long time and the annual fee is not repaid on time, it will affect your personal credit score. The annual fee for Guangfa Credit Card varies depending on the card type, as detailed below.

How much is the annual fee for Guangfa Credit Card?

1. Personal credit card

The USD Platinum Card is USD300 for the main card and USD180 for the USD Platinum Card is the supplementary card.

The standard platinum card is RMB2500 for the main card, and the standard platinum card is RMB1500 for the supplementary card.

The Premium Platinum Card costs RMB480 for the main card and RMB240 for the supplementary card.

The main card of China Southern Airlines Platinum Card is RMB 2,500, and there is no supplementary card.

The main Air China Platinum Card costs RMB 2,500, and the Air China Platinum Card supplementary card costs RMB 1,250.

The main card of True Love Platinum Card is RMB 2500, and the supplementary card of True Love Platinum Card is RMB 1250.

The main card of Shandong Airlines’ value-added platinum card is RMB 2,500, with no additional cards.

The main card of the Platinum Card is RMB800, and the supplementary card of the Platinum Card is RMB400.

The Dongfeng Nissan Platinum Card is RMB800 for the main card, and the Dongfeng Nissan Platinum Card is RMB400 for the supplementary card.

The main card of Spring and Autumn Platinum Card is RMB800, and the supplementary card of Spring and Autumn Platinum Card is RMB400.

The car owner’s platinum card is RMB 2888 for the main card, and the car owner’s platinum card is RMB 1488 for the supplementary card.

The main card of the Business Travel Platinum Card is RMB 2888, and the supplementary card of the Business Travel Platinum Card is RMB 1488.

The main golf platinum card costs RMB7888, and the golf platinum supplementary card costs RMB3888.

The main card of Infinite Card/World Card is RMB12,000, and the supplementary card of Infinite Card/World Card is RMB5,000.

The main titanium card costs RMB480, and the titanium supplementary card costs RMB240.

Zunyue Platinum Card is RMB2,000.

The main card of China Eastern Airlines Platinum Card is RMB2500, and there is no supplementary card.

The main card of Ctrip Platinum Card is RMB800, and there is no supplementary card.

The main card of Wanying Card is RMB800, and there is no supplementary card.

The main dual-currency gold card costs RMB 260, and the dual-currency gold supplementary card costs RMB 130.

The main dual-currency ordinary card costs RMB90, and the dual-currency ordinary card supplementary card costs RMB45.

Special-shaped card RMB30.

RMB80 for the main RMB gold card and RMB48 for the supplementary RMB gold card.

The main card of Zhenqing RMB Gold Card is RMB85, and the supplementary card of Zhenqing RMB Gold Card is RMB55.

RMB 40 for the main RMB ordinary card and RMB 30 for the supplementary RMB ordinary card.

The main card of Zhenqing RMB ordinary card costs RMB45, and the supplementary card of Zhenqing RMB ordinary card costs RMB35.

USD Gold Card main card costs USD30, USD Gold Card supplementary card costs USD18.

USD 15 for the main card and USD 12 for the supplementary card.

USD short-term foreign exchange card USD9.

HKD250 for the main Hong Kong Dollar Gold Card, and HKD150 for the Hong Kong Dollar Gold Card supplementary card.

The main Hong Kong dollar ordinary card costs HKD125, and the Hong Kong dollar ordinary card supplementary card costs HKD100.

VISASignature/MasterCardWorld single identification master card RMB300.

VISASignature/MasterCardWorld single logo supplementary card RMB150.

2. Personal quasi-credit card

RMB 40 for the main card of RMB Gold Card and RMB 24 for the supplementary card of RMB Gold Card.

RMB 20 for the main RMB ordinary card and RMB 15 for the supplementary RMB ordinary card.

USD Gold Card main card costs USD15, USD Gold Card supplementary card costs USD9.

USD 8 for the main US dollar ordinary card and USD 6 for the supplementary US dollar ordinary card.

The US dollar short-term foreign exchange card is USD5, and the Hong Kong dollar short-term foreign exchange card is HKD40.

The main Hong Kong Dollar Gold Card costs HKD125, and the Hong Kong Dollar Gold Card supplementary card costs HKD75.

The main Hong Kong dollar ordinary card costs HKD60, and the Hong Kong dollar ordinary card supplementary card costs HKD50.

3. Corporate credit card

USD Platinum main card costs USD300, no additional cards; RMB Gold card main card costs RMB160, no additional cards.

The main card of RMB ordinary card is RMB80, without supplementary cards; the main card of USD gold card is USD60, without supplementary cards.

The US dollar ordinary card costs USD30 for the main card, without additional cards; the Hong Kong dollar gold card costs HKD500 for the main card, without additional cards.

The main Hong Kong dollar ordinary card costs HKD250, without additional cards; the business dual currency gold card costs RMB360, without additional cards.

Business dual-currency card is RMB 180 for ordinary cards, without additional cards.

4. Quasi-credit card for enterprises

The main card of RMB Gold Card is RMB80, without supplementary cards; the main card of RMB Ordinary Card is RMB40, without supplementary cards.

USD Gold Card is USD 30 for the main card and there are no supplementary cards; USD Standard Card is USD 15 for the main card and there are no supplementary cards.

The main card of Hong Kong Dollar Gold Card is HKD250, without supplementary cards; the main card of Hong Kong Dollar Ordinary Card is HKD125, without supplementary cards.

Guangfa Credit Card Annual Fee Charging Standard

1. If the customer switches card types, the annual fee will be charged again according to the new card type standard. The annual fee charged for the old card will not be refunded. ;

2. Personal credit card gold cards, ordinary cards and VISASignature/MasterCardWorld single-logo cards are exempt from annual fees in the first year, and the annual fees for the following years are rolled over after swiping the card six times or more;

3. The first supplementary card of Infinite Card/World Card and the business card are free of annual fees;

4. The Zhenshang Platinum Card has been used for 3 transactions (inclusive) within 90 days of issuance and each transaction has exceeded 88 yuan (inclusive) ) is exempt from the annual fee for the first year, and the annual fee for the following years will be waived on a rolling basis by swiping the card 12 times (inclusive);

(The above promotion period is: January 1, 2017 to December 31, 2018)

5. The golf platinum card annual fee is applicable to 1) customers who newly apply for the GF Golf Platinum Credit Card from January 18, 2016 (inclusive); 2) It expires from January 18, 2016 (inclusive) Update card customers.

6. The annual fee for the VISASignature/MasterCardWorld single-logo card is converted into foreign currency according to the exchange rate on the date of entry.

Note: USD is the United States dollar; HKD is the Hong Kong dollar; RMB is the Renminbi.

Is there an annual fee for Guangfa Bank’s credit card?

There is an annual fee for Guangfa Bank’s credit card. The annual fee calculation cycle for Guangfa Bank's credit cards is calculated from the day the new card is activated. If the conditions for annual fee exemption are not met, the system will deduct the annual fee on that day of the next year.

Guangfa Bank credit card annual fee standard:

1. Ordinary card: 40 yuan for main card, 30 yuan for supplementary card;

2. Gold card: main card 80 yuan, supplementary card 48 yuan;

3. Titanium Card: main card 480 yuan, supplementary card 240 yuan;

4. Premium Platinum Card: main card 480 yuan, Supplementary card 240 yuan;

5. Standard Platinum Card: main card 2,500 yuan, supplementary card 1,500 yuan;

6. Unlimited Card/World Card: main card 12,000 yuan, supplementary card 5,000 yuan.

1. What kind of credit cards does China Guangfa Bank have?

Types of Guangfa Bank credit cards:

1. Guangfa Zhihui Credit Card: a credit card that allows overdraft and cash withdrawal, and is a credit card launched for urban white-collar workers.

2. GF Duolijin Credit Card: There are various discounts and rights for eating, drinking and playing, including cash rebates from Didi, Meituan, Starbucks, WeChat and Alipay.

3. Guangfa Taobao Credit Card: a credit card launched by China Guangfa Bank for young people.

4. GF Zhenshang Platinum Credit Card: a credit card specially designed for customers who pursue a higher quality of life.

5. Guangfa Car Owners Credit Card: Up to 36 cash back on refueling or 20% off on highway tolls.

6. GF iQiyi Credit Card: Free iQiyi gold VIP members every month.

7. Guangfa Lucky Day Exclusive Gold Card: 500,000 yuan in accident insurance will be given upon activation.

8. GF Zhenqing Credit Card: a credit card launched for women.

9. GF Didi co-branded card: 30 taxi coupons will be given every year.

2. Does Guangfa Bank credit card need to be activated?

Guangfa Bank credit card needs to be activated. The activation methods of China Guangfa Bank credit card are roughly as follows:

1. Online banking activation: log in to the official website of China Guangfa Bank and fill in the complete information to activate;

Operating environment:

Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition

System version: Windows11

Browser: Google Chrome

Browser version: 87.0.4280.88

2. To activate the Guangfa Bank APP, download the Guangfa Bank APP, register and log in, click "Credit Card Activation" in "Credit Card", and complete the operation according to the prompts to activate;

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 6.1.1

3 , Activate at the counter of Guangfa Bank. Bring your ID card and credit card to the counter of any Guangfa Bank outlet for activation.

3. Is Guangfa Bank’s credit card limit *enjoyable?

All card limits under the same customer’s name of Guangfa Credit Card are exclusive. ***The credit limit is because credit card approval and credit limit approval are based on a comprehensive assessment of customer information, and multi-card applications are based on the customer's credit base. After the system evaluation, a comprehensive credit limit will be given to the individual first, and multiple cards under the name can enjoy the personal comprehensive credit limit. At the same time, since multiple cards need to be used separately, repayments need to be done separately.

This ends the introduction on how to calculate the annual fee of Guangfa Credit Card and how to calculate the annual fee of Guangfa Credit Card. I wonder if you found the information you need?