China Construction Bank credit card annual fee charging standard
According to the official regulations of China Construction Bank, the annual fee for China Construction Bank credit card is charged annually. It is 80 yuan for the main card and 40 yuan for the supplementary card; The card costs 160 yuan for the main card and 80 yuan for the supplementary card; the standard platinum card costs 580 yuan for the main card and 300 yuan for the supplementary card; the car card costs 200 yuan for the main card and 100 yuan for the supplementary card.
Among them, for regular card and gold card, if you make 3 purchases (no limit on the amount) in each card-holding year, the annual fee for that year will be waived. If the conditions are not met, the annual fee will be charged in the next card-holding year. No refunds will be made after collection.
Standard Platinum Card will be exempted from the annual fee if you make 18 purchases (no limit on amount) in each card-holding year. If the conditions are not met, the annual fee will be charged in the next card-holding year. Once collected, it will no longer be charged. return.
The China Construction Bank car card is collected in advance on an annual basis and will not be refunded after collection.
Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, in the face of the various annual fee rules for credit cards from different banks, most Most people have only a little knowledge. Most annual credit card fees are around one hundred yuan. Some banks stipulate that you can waive the annual fee by swiping three times a year.
Annual fee-free rule
If you apply for a card and don’t use it, you will have to pay the annual fee, which is certainly not cost-effective. The annual fee exemption rules vary among different banks, making it easy for cardholders to incur annual fees unintentionally.
Cardholders generally believe that credit card agencies adopt the practice of waiving the annual fee in the first year and waiving the annual fee in the following year if the card reaches a certain standard, but this is not the case for all cards. For example, ICBC credit cards are not exempt from annual fees in the first year. Instead, they need to swipe the card a total of 5 times or spend more than 5,000 yuan to be exempted from the annual fee. China CITIC Bank stipulates that only swiping the card once in the first month after the card is issued can be exempted from the annual fee in the first year. .
As for the rules for exempting the annual fee for the following year, some banks stipulate that as long as the card is swiped more than three times, it will be free of charge, such as China Construction Bank [6.203.85%] and China Everbright Bank; some banks stipulate that the number of card swipes is relatively high. For example, the Shenzhen Development Bank Credit Card requires 18 swipes to waive the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc., adopt the policy of waiving annual fees for 5-6 times.
Yinsu.com Financial Planner pointed out that since annual fees are not the main source of income for domestic credit card issuers, banks generally stipulate that annual fees must be waived after a certain number of card swipes, but there is no limit on the amount. However, there are some banks that impose restrictions on the amount of consumption. For example, Shanghai Pudong Development Bank stipulates that the annual fee for the next year can be waived only if the consumption reaches 2,000 yuan or more.
It is also worth noting that the bank’s annual fee exemption rules are not static. A staff member of the Bank of Communications Credit Card Center told reporters that the annual fee for a credit card is based on the collection time of the first year's annual fee, and is pushed back 12 months to the collection time of the next year's annual fee. Bank of Communications credit card annual fee exemption rules will generally be notified to cardholders by text message at the end of the year or the beginning of the next year. Cardholders need to pay attention to whether the annual fee exemption rules have changed.
TIPS: Generally speaking, only ordinary credit cards can enjoy the annual fee exemption rule, while the annual fees for gold cards, platinum cards, diamond cards and other cards are usually not exempt.
Lifetime no-annual-fee credit card
The annual fee stipulations of credit cards are really eye-catching. Isn’t there a free lunch?
In fact, there are not many credit cards that waive annual fees for life. For example, credit cards issued by Postal Savings Bank, whether it is the main card or the supplementary card, do not need to worry about the annual fee.
Shanghai Bank’s credit cards also have free lunches, such as Star Card, Hong Kong Travel Card, Global Pass Card and other cards, all of which are free of annual fees for life. However, Shanghai Bank’s outlets only cover the Shanghai area. It is more difficult to apply in other areas.
There are also credit cards from other banks that waive annual fees for life. Since there are so many types of credit cards, if you want to apply for them, you need to search carefully. For example, Guangfa Bank’s China Southern Airlines Sky Pearl Credit Card Extra Edition and QQ Car Card, Shanghai Pudong Development Bank’s McDull Credit Card and the 60th Anniversary Credit Card of the Founding of the People’s Republic of China, Agricultural Bank of China’s Golden Harvest Ruyi Card, and Bank of Beijing’s Daai Credit Card [18.825.67%] can all be used. Enjoy lifetime annual fee exemption.
In addition, reporters noticed that since July 2013, various banks have issued a large number of business credit cards to enterprises and institutions, all of which have lifetime annual fee exemptions.
Official credit cards are credit cards held by individuals working in budget units. They can be used for daily official expenditures and financial reimbursements, as well as for personal consumption and cash withdrawals, and can enjoy various preferential treatment for cardholders.
TIPS: The lifetime annual fee exemption is not the life of the cardholder, but the "lifetime" of the card, that is, the validity period of the credit card, which is generally three to five years.
What is the annual fee for Bank of China China Southern Airlines Sky Pearl Credit Card
China Southern UnionPay Gold Card: 80 yuan/year for the main card and 40 yuan/year for the additional card. The first year is waived, and the annual fee for the next year is waived for 5 transactions; the annual fee reduction policy for supplementary cards is the same as for the main card;
China Southern Airlines Titanium MasterCard: Apply before December 31, 2018 to waive annual fees for life;< /p>
China Southern Airlines UnionPay Platinum Card: principal card/supplementary card: RMB 800 per card per year; new Platinum Card customers from 2017 to 2018 are exempt from the first-year annual fee, and old customers and new customers are exempt from the annual fee in the following year. The fee needs to be waived after 12 transactions of 20,000 yuan or more, or 100,000 transaction points can be used to redeem the annual fee; the annual fee reduction policy for supplementary cards is the same as for the main card. Apply before December 31, 2018 to waive the annual fee for life.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
Which bank has the lowest annual credit card fee? Comparison of annual fees for credit cards of various banks
1. Annual fee preferential policies of some banks
Bank of China, Agricultural Bank of China, and Industrial Bank credit cards: waived in the first year, and waived if the card is swiped 5 times within a year Annual fee for the following year.
ICBC Credit Card: If you swipe the card 5 times within a year, the annual fee for that year will be waived.
China Construction Bank Credit Card: Waived in the first year. If you swipe the card 3 times within a year, the annual fee will be waived in the following year.
Bank of Communications Credit Card: Annual fee is waived in the first year, and thereafter the annual fee for the next year will be waived by swiping the card six times a year (Bank of Communications Platinum Credit Card does not have an annual fee waiver policy).
China Merchants Bank Credit Card: Waived in the first year. If you swipe the card 6 times within a year, the annual fee will be waived in the following year.
CITIC Bank Credit Card: If you swipe the card once within 1 month after activation, the annual fee for the current year will be waived. If you swipe the card 5 times within a year, the annual fee for the next year will be waived.
2. Annual fee standards for credit cards of different levels
However, the annual fee standards for credit cards of various banks will vary depending on the card. For example, the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the supplementary card; the annual fee for the gold card is 360 yuan for the main card and 180 yuan for the supplementary card; and the annual fee for the Pudong Development Bank Shanghai Airlines co-branded card is 360 yuan; as for the Pudong Development McDull series The credit card also displays the sign of “no annual fee for life”. Therefore, even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card.
3. Credit cards with no annual fees for life
Although credit cards with no annual fees for life are rare, they are not unavailable. For example, credit cards issued by Postal Savings Bank, whether they are primary cards or supplementary cards, There is no need to worry about the annual fee for the card.
Shanghai Bank’s credit cards also have free lunches, such as Star Card, Hong Kong Travel Card, Global Pass Card and other cards, all of which are free of annual fees for life. However, Shanghai Bank’s outlets only cover the Shanghai area. It is more difficult to apply in other areas.
There are also credit cards from other banks that waive annual fees for life. Since there are so many types of credit cards, if you want to apply for them, you need to search carefully. For example, Guangfa Bank’s China Southern Airlines Sky Pearl Credit Card Extra Edition and QQ Car Card, Shanghai Pudong Development Bank’s McDull Credit Card and the 60th Anniversary Credit Card of the Founding of the People’s Republic of China, Agricultural Bank of China’s Golden Harvest Ruyi Card, and Bank of Beijing’s Daai Credit Card [18.825.67%] can all be used. Enjoy lifetime annual fee exemption.
Selected credit cards from various banks when applying for a credit card
How is the annual fee for the Industrial China Southern Airlines Credit Card charged?
Because it is a platinum card, you can enjoy many functions, and it is not as easy to waive the annual fee as other credit cards.
Annual fee standard: RMB 2,600 yuan/card for the main card and RMB 1,200 yuan/card for the supplementary card. Once the card is issued, regardless of whether it is activated or not, the annual fee will be charged.
Enjoy:
8 credit card points = 1 China Southern Sky Pearl mile
For details on redemption of aviation co-branded credit card points for flight miles, please see: Industrial Bank Credit Card Points Activity Details< /p>
Domestic: From January 1, 2014 to December 31, 2014, you can enjoy domestic flights departing from more than 20 central city airports in the country with your China Southern Sky Pearl Credit Card Platinum Card (Standard Edition) Airport VIP service, unlimited free travel for me, and 2 accompanying people can travel for free that year.
Please click here to view the specific service content and details: Domestic Airport VIP Service
Overseas: From January 1, 2014 to December 31, 2014, under your name The China Southern Sky Pearl Credit Card Platinum Card (standard version) can enjoy VIP services at the airports in more than 10 designated overseas cities such as Hong Kong and Singapore (including international departures from Beijing, Shanghai and Guangzhou). You can travel unlimited times for free, and you can bring 2 companions with you for free that year.
Please click here to view the specific service content and details: Overseas Airport VIP Service
During the period from January 1, 2014 to December 31, 2014, you can use China Southern Airlines Sky Pearl in your name Credit card platinum card (standard version) enjoys free airport pick-up and drop-off services in designated areas in more than 40 designated cities in Beijing, Shanghai, etc. I can enjoy 8 free services throughout the year, giving you more freedom and convenience during your business trip .
Please click here to view the specific service content and details: Domestic airport transfer
During the period from 0:00 on January 1, 2014 to 24:00 on December 31, 2014, you You only need to use your China Southern Sky Pearl Credit Card Platinum Card (Standard Edition) to pay the full fare (referring to the face price) of the public transportation for yourself or your accompanying spouse or minor children, or pay for the ticket inclusive of the ticket. If you account for more than 80% (inclusive) of the tour group fee and take the corresponding public transportation, you can get the accident insurance and happy travel insurance protection for the public transportation you are taking, with a maximum insured amount of 10 million yuan. .
Please click here to view the specific insurance content and details: 10 million public *** traffic accident insurance
From January 1, 2014 to December 31, 2014, you You can enjoy the exclusive car rental privileges with a China Southern Sky Pearl Credit Card Platinum Card (Standard Edition).
Please click here to view the specific rules: Premium Car Rental
■24-hour platinum attendant service (exclusive for MasterCard dual-currency platinum credit card)
■Exclusive VIP privileges at all branches of Industrial Bank
■Family Life Secretary caring for your loved ones
■Enjoy double reward points on birthdays and overseas transactions
■Some procedures Fee reduction and exemption
■ Annual analysis report and consumption consultation are at your fingertips
What is the annual fee policy of Bank of China China Southern Airlines Sky Pearl Credit Card?
1. Annual fee for Bank of China China Southern Airlines Sky Pearl Credit Card UnionPay version:
Gold card 80 yuan/year; Platinum card 800 yuan/year; supplementary card free.
Currently discount: The first year is exempted.
The current reduction and exemption policy: the annual fee for the following year will be waived for 5 purchases with the gold card; the annual fee for the next year will be waived for 12 purchases with the platinum card or redeemed with 100,000 comprehensive points.
2. The current annual fee discount for Bank of China China Southern Airlines Sky Pearl Credit Card MasterCard version:
Apply before December 31, 2022, and the annual fee will be waived during the validity period of the card.
The above annual fee discounts are applicable from January 1 to December 31, 2022.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
The annual fee for the China Southern Airlines co-branded card UnionPay Gold Card has not been activated
Does the questioner want to ask "Will there be an annual fee for the China Southern Airlines co-branded card UnionPay Gold Card if it is not activated?" No annual fee will be charged if not activated. According to the official website of China CITIC Bank, it can be seen that China Southern Airlines Co-branded Card UnionPay Gold Card is a credit card co-branded by China CITIC Bank and China Southern Airlines. If it is not activated, it will not incur annual fees (unless the bank has been authorized to collect it in writing, by phone, etc.). CITIC Bank is one of China's national commercial banks, headquartered in Beijing. The main shareholder is CITIC Corporation of China.
That’s it for the introduction to the annual fee of CCB China Southern Airlines Credit Card.