1. The reason why there is no free gift when using the China Merchants Bank Xiaowanzi Credit Card is that China Merchants Bank will launch different discounts and promotions for different credit cards from time to time, and Xiaowanzi’s activities are not just that.

2. Introduction to China Merchants Bank Xiaowanzi Credit Card:

The annual fee for the main card is 100 yuan

The annual fee for the supplementary card is 50 yuan

Interest-free period (from the bill date) 18 days

Revolving credit interest (daily interest) 0.05

Minimum repayment ratio

Cash advance handling fee ( Local peers) 1% of the transaction amount

Minimum 10 yuan;

Overpayment recovery handling fee (local peers) 0.5% of the transaction amount

Minimum 5 yuan ;

Over-limit fee No such service

Late payment fee Minimum 10 yuan

SMS notification fee Free

Reissue/damage card The handling fee for card replacement/card replacement in advance is RMB 15

The handling fee for making a replacement statement is RMB 5

The loss reporting fee is RMB 60

Annual fee reduction rules: waived in the first year The annual fee is waived by swiping the card 6 times

Points method: 1 point can be accumulated for every RMB 20 or USD 2 spent