Generally speaking, in order to attract new customers and retain old customers, major banks have corresponding annual fee-free policies for credit card processing fees. However, the owner's credit card enjoys special preferential rights, and some banks do not have an annual fee-free policy. Do you know how people's livelihood car owners charge annual credit card fees? Is there an annual fee-free policy?
First, the standard for collecting the annual credit card fee of Minsheng automobile owners
Minsheng Auto Credit Card is a credit card tailored for car owners, which is divided into three grades: gold card, standard platinum card and luxury platinum card, and is suitable for private car owners with different needs. The annual fee is charged as follows:
Gold card: annual fee of main card1annual 300 yuan in 50 yuan;
Standard Platinum Card: the annual fee of the main card is 600 yuan, and the annual fee of the supplementary card is 300 yuan;
Luxury Platinum Card: The annual fee of the main card is 3,600 yuan, and the annual fee of the supplementary card is 1.800 yuan.
Two, Minsheng car owners credit card annual fee free policy
Free in the first year, 8 times a year, and free of annual fee in the second year, but the luxury platinum card is free of annual fee.
Third, the deduction time of the annual credit card fee of the owner of Minsheng Automobile
Twelve months from the month of activation is one year, that is to say, the card issued in July will be one year by the end of June next year. During this period, the card will be swiped eight times without annual fee.
To sum up, I'm here to introduce the annual credit card fee of Minsheng car owners, hoping it will be useful to you.
How much is the annual fee for Minsheng Credit Card standard card?
The annual fee of Minsheng Bank's credit card is divided according to the level of the card, as follows:
Minsheng Bank Puka; Main card annual fee 100 yuan; Supplementary card annual fee 50 yuan;
Minsheng Bank Gold Card: the annual fee for the main card is 300 yuan; Annual fee of supplementary card 150 yuan;
Minsheng Bank Standard Platinum Card: the annual fee for the main card is 600 yuan; Supplementary card annual fee 300 yuan;
Minsheng bank luxury platinum card: the annual fee of the main card is 3600 yuan; Annual fee of supplementary card 1800 yuan;
Minsheng bank diamond card: annual fee of the main card 10000 yuan; The annual fee of supplementary card is 5000 yuan;
Minsheng Bank's credit cards (Puka, Gold Card and Standard Platinum Card) are free of annual fees in the first year, the next year and eight times a year. (There is no annual fee-free policy for diamond cards and luxury platinum cards)
Is there an annual fee for Minsheng Credit Card?
Minsheng credit card has an annual fee, but it depends on what kind of credit card you are, because each credit card has different requirements for annual fees, and some credit cards are free of annual fees. I suggest you call the customer service telephone number of Minsheng Bank at 95568 for consultation.
1, Minsheng Bank Credit Card will charge an annual fee as long as the user has handled the card, whether it is activated or not; (Minsheng Bank is different from most banks; Therefore, to apply for Minsheng Credit Card, if you intend to use it, you must activate it. Otherwise, an annual fee will be charged if you don't open the card. If you don't use it, it is recommended to return the card and cancel the account.
2. The annual fee will be automatically deducted from the credit card account, and there is no need to go to the business outlets to pay. The bank has a corresponding deduction form for the amount of deduction, which will be prompted by SMS; It's best to check if there is any mistake after the deduction. If there is overpayment, it is obviously brushed for a certain number of times, but it is still deducted according to the original standard. You can contact the bank to explain the situation and ask it to return the overpaid money:
3. If there are preferential policies for annual fee reduction and exemption, it should be clear whether the credit card consumption has reached a certain number of times or a certain amount; Some cards only need to be swiped a certain number of times a year, and the annual fee for that year can be waived without any restrictions; And some need to meet the number of credit cards and the amount of consumption at the same time to avoid annual fees;
Annual fee-free policy: Jinpu Card will be exempted from the annual fee of the first year when swiping the card within 2 months, and the annual fee of the next year when spending 5 yuan RMB or 1 transaction in that year, and so on; After the standard platinum card is activated, the annual fee will be charged in the first year. If you spend 18 card or 50,000 yuan or equivalent in the current year, you can avoid the annual fee of the following year, and so on (except for special cards).
Annual credit card fee of Minsheng Bank: Puka 100 yuan/year, supplementary card 50 yuan/year; Gold card 300 yuan/year, supplementary card 150 yuan/year; Standard platinum card 600 yuan/year, supplementary card 300 yuan/year; 3,600 yuan/year for luxury platinum card and 1800 yuan/year for supplementary card; Diamond card 1 10,000 yuan/year, and supplementary card 5000 yuan/year; Unlimited card 30,000 yuan/year, supplementary card15,000 yuan/year.
Is there an annual fee for Minsheng Bank credit card?
Minsheng bank credit card charges an annual fee. The annual fee is divided according to the card level, in which the annual fee of ordinary card is the lowest, the annual fee of main card 100 yuan/sub-card 50 yuan is the highest, and the annual fee of main card/sub-card is 30,000 yuan1500,000 yuan.
The specific annual fee standards are as follows:
1. Annual fee for the main card of Puka 100 yuan, and annual fee for the auxiliary card of 50 yuan; (such as Minsheng ID credit card).
2. Gold card annual fee 300 yuan, supplementary card annual fee 150 yuan; (such as Minsheng Mobile Credit Card and Bao Tong Staging Gold Card).
3. The annual fee of standard platinum card is 600 yuan as the main card and 300 yuan as the auxiliary card.
4. The annual fee for the main card of Platinum Wealth Management Card is 1.500 yuan, and the annual fee for the auxiliary card is 750 yuan.
Minsheng Credit Card Free Annual Fee Policy:
1 .jinpuka verification card swipes within 2 months. 1 The transaction is exempt from the annual fee for the first year, and the annual fee for the next year is exempted if you spend 5 transactions in the current year or 1.
2. After the standard platinum card is activated, the annual fee for 600 yuan will be charged in the first year. The annual fee for the following year can be exempted if there are valid transactions 18 transactions in the current year or effective consumption reaches 50,000 yuan or equivalent.
3. Platinum wealth management card holders (including the main card and supplementary card) can't reduce the annual fee in the first year, and the accumulated repayment amount of the bill in that year (that is, the accumulated bill in the first 12 months of the annual fee in the next year) reaches 6,543,800 yuan, and they can enjoy the annual fee exemption in the next year.
Waiting time for Minsheng credit card application
/kloc-About 0/5 days, you will be notified by SMS after the bank has passed the approval (including approval and bank card issuance); You can call the bank customer service phone at any time to check the progress or log in to the bank official website to check the progress;
Minsheng bank transfer fee in different places
1. For inter-provincial transfer at the counter, the charging standard is: below 5.5 yuan 1 000, 1.5 yuan 1 000 to 1 000 to 500,000 to 65438+. Minsheng silver card and gold card customers are free of handling fees, and the post and telecommunications fees are half of those of ordinary cards. And diamond card customers don't charge any fees.
2. If you want to transfer money through online banking, you only need to open the online banking of Minsheng Bank Card. Ordinary cards are charged according to the electronic remittance standard of the People's Bank of China. The accumulated daily remittance amount of silver card customers is less than 500,000 yuan, and the excess amount shall be implemented according to the standard of ordinary cards. The accumulated daily amount of gold card customers is less than 6,543,800+0,000, and the excess is charged by ordinary cards. The diamond card is free and the amount is unlimited.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Minsheng credit card gold card annual fee is exempted several times.
Minsheng Bank credit card can be exempted from the annual fee in the first year if it is used once, and the annual fee in the next year can be exempted if it is used five times. The annual fee for the first year of the Platinum Card cannot be waived, and the annual fee for the next year can be waived if the credit card is used 18 times in the second year.
The annual fee of Minsheng Credit Card is 100 yuan/year, and the annual fee of the supplementary card is 50 yuan/year; The annual fee of Minsheng Credit Card Gold Card is 300 yuan/year, and the annual fee of supplementary card is 150 yuan/year; Minsheng Credit Card Standard Platinum Card has an annual fee of 600 yuan for the primary card and 300 yuan for the secondary card.
China Minsheng Bank was formally established in Beijing on [1]199665438+10/2. It is the first national joint-stock commercial bank initiated by private enterprises in China. China Minsheng Bank Credit Card Center, as a branch-level franchise institution of Minsheng Bank, was approved by China Banking Regulatory Commission on August [2], 2006, 1 1. After fourteen years' accumulation, it has become one of the leading brands in the credit card industry in China. [2] Minsheng Credit Card Center has set up 1 12 branches nationwide, with nearly 10000 employees nationwide.
First, the development process
[2] China Minsheng Bank Credit Card was officially issued to the public in the Great Hall of the People on June 16, 2005. On August, 2006 1 1, China Minsheng Bank Credit Card Center was established. On June, 4, 2007, it obtained the People's Republic of China (PRC) (PRC) financial license and began to operate with a license. On September 5, 20 13, the (Chengdu) back-office operation center was established, which provided strong operational support for the business development of the card center.
Over the years, the good business performance of Minsheng Credit Card has been recognized by all walks of life, and its brand awareness is increasing day by day. Won a series of awards and honors: 20 15 won the "20 15 unionpay card business specification advanced award"; 20 1 1 1 2006, won the "Comprehensive Demonstration Unit Award" of the 4th China Banking Excellent Customer Service Center; In August of 20 17, it was awarded the "Best Innovation Project Award of China Financial Industry in 20 17" by IDC; February 20 18 was awarded "20 16-20 17 System Civilized Unit of CBRC"; 165438+ 10 month, won the "Best Consumer Digital Bank in China"; 20 19 was awarded the title of "National Advanced Unit for Cultural Construction of Financial System".
By March 2020, the cumulative number of cards issued by Minsheng Credit Card exceeded 58 million, and all indicators continued to lead the industry.
Second, corporate culture.
The brand-new slogan of Minsheng Credit Card "Trust Always" was officially released on [2] 2065438+June 65438+June 6, 2008, namely 13 card issuing anniversary. The word "letter" shows that Minsheng Credit Card adheres to the principle of good faith and regards the values of good faith as the fundamental magic weapon for enterprises to stand on the market, which is in line with the brand slogan of "Good faith for the people and common development" of Minsheng Bank Head Office. "Chang Chang" expresses the vision of Minsheng Credit Card to accompany our customers to create a better life together, and it is also the confidence and requirement of Minsheng Credit Card for future development.
Minsheng Credit Card, as a practitioner of social responsibility, never forgets to repay the society and actively participate in public welfare undertakings in the process of development. Minsheng Credit Card actively assisted the primary schools severely affected by the "5. 12" Wenchuan earthquake and donated money to build "Minsheng Credit Card Cuizhu Hope Primary School". In the past ten years, in addition to building infrastructure for Hope Primary School in Zhu Zhu, we have also organized employees to donate books and materials from time to time, and since March 20 12, we have continuously sent outstanding employees to teach in primary schools, so as to build a bridge for children in mountainous areas to communicate with the outside world. Minsheng Credit Card effectively extends the concept of "corporate citizenship" to poverty alleviation, education, environmental protection and many other fields, and strives to become the pioneer of financial feedback to society, winning praise and affirmation from all walks of life, and creating a relaxed social environment for the realization and long-term development of enterprise market goals.
How much is the annual credit card fee of Minsheng Bank?
This can be divided into several situations:
MasterCard: the annual fee standard is 100 yuan; Puka supplementary card: annual fee standard 50 yuan;
Gold master card: annual fee standard 300 yuan; Gold supplementary card: the annual fee standard is 150 yuan;
Platinum Card: Annual fee standard 600 yuan.
The annual credit card fee of Minsheng Bank is charged annually. If you swipe your card 1 within 2 months after the card is verified, you can avoid the annual fee for the first year. Swipe your card 8 times in the current year, and the annual fee for the following year can be waived.
in fact
Minsheng bank credit card is still very good. At present, there are many types of Minsheng Bank credit cards to choose from, such as:
1. Frequent travelers can choose from the following cards: Minsheng Air China Companion Co-branded Credit Card, Minsheng Southern Airlines Pearl Co-branded Credit Card and Minsheng HNA Co-branded Credit Card.
2. Cards that can often be selected abroad include: Minsheng VISA full-currency credit card and Minsheng standard dual-currency credit card.
3. Cards that you can choose if you like shopping include Minsheng Shen Han Department Store Co-branded Credit Card and Minsheng.com Tesco Installment Credit Card.
Supplement: Judging from the credit card points used by banks, the credit card points of China Minsheng Bank are relatively high. In addition, China Minsheng Bank has several advantages. First, the installment service of the People's Bank of China's credit card will not occupy the credit card usage quota. And there is no charge for withdrawing cash by credit card. More importantly, if you are a gold card user of China Minsheng Bank, you can also enjoy lawyer services and business travel reservations. Finally, the ID card he provided is very personalized and can be customized by users, but it requires users to pay a certain business card printing fee.
The disadvantage of China Minsheng Bank's credit card is that there are few business outlets, and users may feel a little inconvenient when they need to handle related business at business outlets. Another is to support Alipay consumption. But for this consumption, there are consumption restrictions. Single consumption shall not exceed RMB 1000, and the maximum daily cumulative consumption is RMB 5,000. But this limit should be enough for us ordinary users.
So much for the introduction of how to calculate the annual fee of Minsheng Credit Card.