Bank of China's credit card annual fees are charged based on the credit card level. Generally, new cards are exempt from annual fees in the first year, and users can be exempted from annual fees by reaching a certain number of credit card swipes. The specific charges are as follows:

1. Credit card (excluding Great Wall International Card)

a. Personal card

The maximum charge for ordinary cards is RMB 100 per card

Gold/Titanium Card up to RMB 360/card

Platinum card RMB 800/card

High-end card RMB 3,600/card

Top card: RMB 8,800/card

Theme card: up to RMB 280/card

b. Business card/organization card: up to RMB 360/card

2. Credit card (Great Wall International Card)

a. Personal card

The maximum per card for ordinary cards is HKD 100/USD 12/EUR 12/GBP 8

Gold Card/Titanium Card, the maximum per card is HKD 200/USD 22/EUR 22/GBP 15/AU$ 25

Platinum Card, the maximum per card is US$100

b. Company Card

The maximum charge for a regular card is HK$200/US$26 per card

The maximum charge for a gold card is HK$300/US$40 per card

3. Platinum credit card products Annual fee description

The annual fee standards for Bank of China Platinum Credit Card are divided into two levels: 3,600 yuan and 800 yuan. You can also call the Bank of China Customer Service Center for consultation on the annual fee charging standards for specific products. It will be charged annually starting from the first year the card is activated. If the cardholder cancels the card midway, the annual fee for that year will not be refunded.

Bank of China credit card annual fee exemption policy

1. All general credit cards issued by Bank of China are exempt from annual fees in the first year. If you swipe the card five times, you will be exempted from annual fees in the following year.

2. The gold credit card issued by Bank of China is also free of annual fees in the first year. If you swipe the card five times, the annual fees of the next year will be waived.

3. The platinum credit card issued by Bank of China does not have an annual fee exemption policy for the first year. The Great Wall Global Connect Hong Kong, Macao and Taiwan Travel Card, Centennial Commemorative Edition Great Wall Platinum Credit Card, and Great Wall Global Connect Platinum Credit Card all have 100,000 points that can be used to offset the annual fee in the following year, which means that the card must be used to spend at least 100,000 yuan a year.

Extended information:

When using a credit card, you should pay attention to the following points:

1. Credit card borrower: If you lend your credit card to someone else, once the other person If you don't pay back the money, you will lose your assets, including your credit. After all, if he doesn't pay back the money, you have to pay it back. If you don't pay back the money, it's overdue.

2. Feel free to tell others the last three digits: When you receive a credit card, you must be able to see what the bank reminds you. Do not tell others the information on the back of the credit card easily. Because when verifying credit card information, you will need the last three digits, which represent the security of your credit card.

3. Credit card installments at will: There is an interest-free period for credit cards. Some people think that as long as they can repay the loan during the interest-free period, then the bank will not be able to collect the procedures from them! But in fact, the reason why banks promote credit cards is so that people can choose to repay in installments when they are in urgent need of money or max out their cards, thereby earning a certain amount of interest, or they may charge a penalty if someone has a bad memory and fails to repay in time. .

4. Overdue repayment: As long as there is overdue repayment, it will definitely leave a bad record on your credit report. Too many overdue records can cause problems with your future loans. Silver has a certain flexibility for overdue repayments, such as 1-3 days. Because each bank has different regulations, it is best to call customer service first when this happens.

5. Keep increasing the limit: The higher the credit card limit, the better. The higher the limit, the easier it is to stimulate consumption, which will lead to a large amount of debt. Therefore, it is best for us to control credit card consumption to two-thirds of our monthly income. Of course, if you really need a credit card with a high limit, you can also keep a card aside for emergencies.

Baidu Encyclopedia-Credit Card Annual Fee Rules