If you use a China Merchants Bank credit card, you will be charged according to the new card's charging standards after changing the card. The annual fee is ￥100 yuan/year for a regular card and ￥300 yuan/year for a gold card. 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, the first-year annual fee for most cards will be waived or waived by the China Merchants Bank credit card or its partners who advance the payment for you. During the full year of validity of your card (from the date of card issuance, Non-calendar year) The annual fee for the second year will be reduced by swiping the card 6 times (no amount limit), and the annual fee for the third year will be reduced by swiping the card 6 times in the second year. If you make 6 purchases with a single card (no limit on amount or form), the annual fee for the card in the following year will be reduced. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time. The number of online purchases can also be accumulated into the 6 times of reduction or exemption of the annual fee for the following year.