Hello, our all-in-one card is a bank debit card, and a credit card is a credit card. Debit cards are bank cards where you deposit money first and then spend money, and credit cards are bank cards where you spend money first and then repay money.

All-in-one debit cards generally have account management fees. It depends on what type of debit card you apply for and which city you apply for. Different debit cards have different regulations.

Credit cards have annual fees: the annual fee for China Merchants Bank credit cards is RMB 100 per year for ordinary cards and RMB 300 per year for gold cards. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, the previous date is the issuance date), not the calendar year. If you successfully apply for a China Merchants Bank credit card (except unlimited card/platinum card/business card/ANA co-branded card/VISA MINI card/MSN MINI card/VOGUE titanium card/HELLOKITTY fan gold card/MISS KITTY perfume credit card), the annual fee for the first year The advance payment is exempted for you by China Merchants Bank credit card or partners. Within the validity period of your card for a full year (from the card issuance date, not a natural year), you can enjoy the exemption if you make 6 purchases (amount and form are not limited) with a single card. There is an annual fee for the card. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time.