BoCom and China Railway launched the Bank of Communications China Railway Online Credit Card. The biggest discount is that you can enjoy certain discounts if you hold the card to purchase tickets on the 12306 platform. Recently, many users are interested in this card, so they came to ask the editor about the application conditions, annual fee and other related questions of the card. Below, the editor will introduce it in detail.

If the user wants to apply for Bank of Communications' China Railway Network co-branded credit card, the main card applicant must meet the requirements of being 18-60 years old, having full capacity for civil conduct, and no bad credit record; supplementary card Applicants only need to meet the requirements of being over 11 years old. When applying for the regular card level, the user’s annual salary before tax is 24,000 yuan; when applying for a gold credit card: the annual salary before tax is 80,000 yuan; when the annual income of retirees and housewives is less than 240,000 yuan, they must provide their own properties or Vehicle certificate, etc. Users who have never applied for a credit card need to provide identification documents, proof of residence, income verification documents, and other auxiliary supporting documents; users who already have a Bank of Communications credit card as their main card need to provide identity documents, and the Bank of Communications credit card must be in good condition; Users who have a main credit card on the credit card application platform need to provide identification documents and a credit card from another bank, which must be in normal condition and have been held for more than one year; users who apply for an additional card must provide the identity document of the applicant for the supplementary card and the main credit card , the status must be normal.

As for annual fees, because credit cards with different benefits have different annual fees, the same credit card has different annual fees for different levels. The Bank of Communications China Railway Network co-branded credit card is divided into regular card, gold card and platinum card according to the card level. The specific annual fee standards are introduced as follows: regular card main card 80 yuan/year, supplementary card 40 yuan/year; the first year is free of charge. If there are 6 transactions in the first year, the annual fee will be waived for the next year, and so on. If it is not activated, there will be no annual fee. The gold card is 120 yuan/year for the main card and 60 yuan/year for the supplementary card; the annual fee is waived in the first year, and the annual fee is waived for the following year if there are 6 transactions in the first year, and so on. There is no annual fee if it is not activated. The Platinum Card costs 1,000 yuan/year for the main card and 0 yuan/year for the supplementary card. There is currently no annual fee-free policy for swiping the card, but you can exchange 250,000 points for a one-year annual fee policy.