For two credit cards of the same bank, as long as one card is swiped six times, it meets the condition that the bank is free of annual fee, and the other card does not need to charge annual fee. As long as the credit card is not activated, there is no annual fee.
At present, the annual fee for the main card of Minsheng Credit Card is 100 yuan, and the annual fee for the auxiliary card of Puka is 50 yuan. The annual fee for the Gold Card Master is 300 yuan, and the annual fee for the Gold Card Subsidiary is 150 yuan. The annual fee for Platinum Card and above is above 600 yuan, and the annual fee for supplementary card is half of that of main card.
Holders of gold cards and ordinary cards are exempted from the annual fee for the first year by swiping the 1 card within 2 months, and the annual fee for the next year is exempted for spending 5 transactions or 1 foreign currency in that year. Standard platinum card holders can be exempted from the annual fee for the following year if they spend 18 transactions or 50,000 yuan in the current year.
Extended data:
According to the unified regulations of the People's Bank of China, Minsheng Bank charges a daily interest rate of 0.5 ‰, with monthly compound interest. (Interest is not calculated during the interest-free period)
Minsheng Bank adopts the calculation method of revolving credit interest. Revolving credit is a small unsecured loan with daily interest. According to your financial situation, you can decide the repayment amount by yourself every month before the current credit card bill expires. When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the circulating credit balance.
Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date, and the daily interest rate is five ten thousandths. The interest on revolving credit will be listed in the next bill.
For example:
Mr. Zhang's bookkeeping date is 10 day per month.
Mr. Zhang's current bill shows that the "payable amount in this period" is 65,438 yuan+0,000 yuan, and the "minimum repayment amount" is 65,438 yuan+0,000 yuan.
Under different repayment conditions, Mr. Zhang's revolving interest is as follows:
(1) If Mr. Zhang fully repays 1000 yuan before May 5, the circulating interest in the statement of May 10 is 0 yuan.
(2) If Mr. Zhang only repaid the minimum repayment amount of 65,438+000 yuan before May 5, and this 65,438+000 yuan was repaid on May 65,438+0, the circulating interest on the statement on May 65,438+00 will be 20.50 yuan.
The specific calculation is as follows:
1000 yuan X0.05%X32 days (March 30th to April 30th) +( 1000 yuan-100 yuan) X0.05%X 10 days (May1-
Baidu Encyclopedia-Minsheng Bank Credit Card