The main platinum card is RMB 680 yuan/card/year, and the subsidiary platinum card is free;
Main titanium card RMB 380 yuan/card/year; The supplementary card of titanium gold card is RMB 190 yuan/card/year;
The main gold card is RMB 200 yuan/card/year; Gold supplementary card 100 yuan/card/year;
The master card of Puka is RMB 100 yuan/card/year; Puka supplementary card RMB 50 yuan/card/year.
2. Huaxia ETC credit card.
Platinum card main card RMB 680 yuan/card/year; Supplementary cards are free;
The main titanium card is RMB 380 yuan/card/year; Supplementary card of titanium card: RMB 190 yuan/card/year;
The main gold card is RMB 200 yuan/card/year, and the supplementary gold card is RMB 100 yuan/card/year.
Huaxia Bank officially issued Huaxia Credit Card on June 8, 2007. Huaxia Bank's first series of credit cards are divided into ordinary cards, gold cards and titanium cards. In terms of product function design, Huaxia Credit Card has launched a number of innovative functions and services. There are innovations in credit card quota, repayment period and interest-free policy.
Issuing Huaxia Credit Card is a significant progress in the strategic cooperation between Huaxia Bank and Deutsche Bank, and it also marks the first time that Huaxia Bank has entered the credit card market in China.
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Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.
Cardholders generally believe that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year when their credit cards reach a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.
In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.20 3.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees.
Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above.
In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.79 4.27%] told the reporter that the annual credit card fee is based on the collection time of the first year's annual fee, and it is pushed back by 12 months, which is the collection time of the second year's annual fee. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.
References:
Huaxia Credit Card-Baidu Encyclopedia