What is the annual fee for a Bank of China credit card? How to waive the annual fee
The annual fee for Bank of China credit card is:
1. Personal card: regular card: up to RMB 100; theme card: up to RMB 280, gold card/titanium card Gold Card: Up to RMB 300.
2. Platinum Card: up to RMB 800.
3. High-end card: up to RMB 8,800.
4. Official card/organization card: up to RMB 360.
The annual fee exemption policies are:
1. The first-year annual fee is waived for personal Gold Card: 5 transactions are waived for the following year; the annual fee reduction policy for supplementary cards is the same as that of the main card .
2. Annual fee for all-currency cards (including Gold and Platinum Cards, World MasterCard Card, and Signature Jade Seal Card): All-currency series products will continue the existing annual fee-free policy until December 31, 2018. day.
3. Platinum Card: New Platinum Card customers from 2017 to 2018 will be exempted from the first-year annual fee. The annual fees for existing customers and new customers in the following year will be waived if they make 12 transactions and exceed 20,000 yuan. Or use 100,000 transaction points to redeem the annual fee.
Extended information
The Bank of China Credit Card is an international standard credit card, with one card and two currencies, and is universally accepted. No prepayment is required, you can easily spend with the card at home and abroad within the limit and enjoy interest-free loans for up to 50 days. Bank of China's overseas branches are located in 20 countries and regions around the world.
To apply for a Bank of China credit card, no guarantor, deposit, or cash deposit is required. You only need to fill in the Bank of China credit card application form and attach copies of identity documents, permanent residence certificates, and financial certificate documents, that is, Can apply for Bank of China credit card.
Bank of China - Bank of China credit card service fee price list
How much is the annual fee for Bank of China's credit card?
The annual fee for Bank of China's credit card is charged based on the credit card level. Generally There is no annual fee for the new card in the first year, and users can waive the annual fee by reaching a certain number of card swipes. The specific charges are as follows:
1. Credit card (excluding Great Wall International Card)
a. Personal card
The maximum charge for ordinary cards is RMB 100 per card
p>Gold/Titanium Card up to RMB 360/card
Platinum card RMB 800/card
High-end card RMB 3,600/card
< p>Top card: RMB 8,800/cardTheme card: up to RMB 280/card
b. Business card/organization card: up to RMB 360/card
< p>2. Credit card (Great Wall International Card)a. Personal card
The maximum per card for ordinary cards is HKD 100/USD 12/EUR 12/GBP 8
< p>Gold Card/Titanium Card, the maximum per card is HKD 200/USD 22/EUR 22/GBP 15/AU$ 25Platinum Card, the maximum per card is US$100
b. Company Card
The maximum charge for a regular card is HK$200/US$26 per card
The maximum charge for a gold card is HK$300/US$40 per card
3. Platinum credit card products Annual fee description
The annual fee standards for Bank of China Platinum Credit Card are divided into two levels: 3,600 yuan and 800 yuan. You can also call the Bank of China Customer Service Center for consultation on the annual fee charging standards for specific products. It will be charged annually starting from the first year the card is activated. If the cardholder cancels the card midway, the annual fee for that year will not be refunded.
Bank of China credit card annual fee exemption policy
1. All general credit cards issued by Bank of China are exempt from annual fees in the first year. If you swipe the card five times, you will be exempted from annual fees in the following year.
2. The gold credit card issued by Bank of China is also free of annual fees in the first year. If you swipe the card five times, the annual fees of the next year will be waived.
3. The platinum credit card issued by Bank of China does not have an annual fee exemption policy for the first year. The Great Wall Global Connect Hong Kong, Macao and Taiwan Travel Card, Centennial Commemorative Edition Great Wall Platinum Credit Card, and Great Wall Global Connect Platinum Credit Card all have 100,000 points that can be used to offset the annual fee in the following year, which means that the card must be used to spend at least 100,000 yuan a year.
Extended information:
When using a credit card, you should pay attention to the following points:
1. Credit card borrower: If you lend your credit card to someone else, once the other person If you don't pay back the money, you will lose your assets, including your credit.
After all, if he doesn't pay back the money, you have to pay it back. If you don't pay back the money, it's overdue.
2. Feel free to tell others the last three digits: When you receive a credit card, you must be able to see what the bank reminds you. Do not tell others the information on the back of the credit card easily. Because when verifying credit card information, you will need the last three digits, which represent the security of your credit card.
3. Credit card installments at will: Credit cards have interest-free periods. Some people think that as long as they can repay the loan during the interest-free period, then the bank will not be able to collect the procedures from them! But in fact, the reason why banks promote credit cards is so that people can choose to repay in installments when they are in urgent need of money or max out their cards, so as to earn a certain amount of interest, or charge a penalty if someone has a bad memory and fails to repay in time. .
4. Overdue repayment: As long as there is overdue repayment, it will definitely leave a bad record on your credit report. Too many overdue records will cause problems with your future loans. Silver has a certain flexibility for overdue repayments, such as 1-3 days. Because each bank has different regulations, it is best to call customer service first when this happens.
5. Keep increasing the limit: The higher the credit card limit, the better. The higher the limit, the easier it is to spend money, which will lead to a lot of debt. Therefore, it is best for us to control credit card consumption to two-thirds of our monthly income. Of course, if you really need a credit card with a high limit, you can also keep a card aside for emergencies.
Baidu Encyclopedia - Credit card annual fee rules
What is the annual fee for Bank of China credit card?
The annual fee charging standard for Bank of China credit card:
1. BOC/Great Wall Global Connect series products. Regular card: up to RMB 100 per card. Theme card: up to RMB 280 per card. Gold Card/Titanium Card: Up to RMB 300 per card.
2. Platinum Card: Up to RMB 800 per card.
3. High-end cards: up to RMB 8,800 per card.
4. Business card/unit card: up to RMB 360 per card. Annual fees for credit cards such as wages, pensions, subsistence allowances, medical insurance, unemployment insurance, housing provident fund, etc. are waived.
Under normal circumstances, the card will charge an annual fee according to the annual fee year. The annual fee year refers to the first billing date after the card is activated to the billing date in the same month of the following year. Depending on the card type, the annual fee amount and annual fee reduction policy are also different. If your credit card is not activated, no fees will be charged.
Extended information:
Explanation of credit card interest calculation method
1. Calculation method of consumption overdraft interest
For credit card overdraft consumption transactions, generally Provide an interest-free repayment period of 20-50 days. If you repay in full before the interest-free repayment period, no overdraft interest will be charged; if you do not repay in full before the interest-free repayment period, no overdraft interest will be charged. Enjoy the interest-free repayment period, and the overdraft interest will be calculated based on the actual amount owed and the actual number of days in arrears from the transaction recording date. The overdraft interest rate is 0.05% of the daily interest rate, and compound interest is calculated monthly.
2. Interest-free repayment period
Bank of China provides a minimum repayment grace period of 3 days. If you fail to repay in time due to business trip or other reasons, after the due payment date If you repay within 3 days, no interest will be charged.
3. Repayment tolerance (tolerance repayment)
Bank of China provides a 1% repayment tolerance. If you have a small change due to forgetting the repayment amount, No interest will be charged. For example: If you owe 10,100 yuan and only repay 10,000 yuan, leaving 100 yuan unpaid, there will be no overdraft interest in the next bill.
Reference material: Bank of China official website - Bank of China credit card service charge price list
What is the annual fee for Bank of China credit card?
1. Credit card (excluding Great Wall International Card)
1) Personal card
The maximum limit for ordinary cards is RMB 100 per card
Gold/Titanium Card up to RMB 360/card
Platinum card RMB 800/card
High-end card RMB 3,600/card
Top-level card RMB 8,800 yuan/card
Theme card maximum RMB 280/card
2) Business card/organization card: maximum RMB 360/card
2. Credit card (Great Wall International Card)
1) Personal Card
The maximum fee per card for regular cards is HKD 100/USD 12/EUR 12/GBP 8
Gold Card/ Titanium Card offers a maximum of HKD 200/USD 22/EUR 22/GBP 15/AUD 25
Platinum Card offers a maximum of US$100 per card
2) Corporate Card
The maximum charge for regular cards is HK$200/US$26 per card
The maximum charge for gold cards is HK$300/US$40 per card
Extended information:
China Bank credit card annual fee exemption policy
1. All credit cards issued by Bank of China are free of annual fees in the first year. If you swipe the card five times, you can be exempted from annual fees in the following year.
2. The gold credit card issued by Bank of China is also free of annual fees in the first year. If you swipe the card five times, the annual fees of the next year will be waived.
3. The platinum credit card issued by Bank of China does not have an annual fee exemption policy for the first year. The Great Wall Global Connect Hong Kong, Macao and Taiwan Travel Card, Centennial Commemorative Edition Great Wall Platinum Credit Card, and Great Wall Global Connect Platinum Credit Card all have 100,000 points that can be used to offset the annual fee in the following year, which means that the card must be used to spend at least 100,000 yuan a year.
Bank of China - Bank of China Credit Card Service Charges Price List
How much is the annual fee for Bank of China Credit Card?
What is the annual fee for applying for a Bank of China credit card? Depending on the level of the credit card, the annual fees charged by Bank of China are also different. The specific charging standards are as follows:
Online payment: The debit card has been opened for online banking and can only be paid online after it is bound. The upper limit is determined by the personal credit limit.
Billing date: The billing date is randomly generated by the system and cannot be modified.
Minimum repayment: the minimum amount owed.
Consumption text message notification fee: Free notification for every purchase.
Revolving credit interest (daily interest): Interest is charged every day.
Interest-free period: 20 days to 50 days.
Cash advance limit: 30% of the credit limit of regular cards and 40% of the credit limit of gold cards.
No annual fee policy: no annual fee for the first year, and no annual fee for the following year if you swipe the card five times.
The annual fee for the main card: the annual fee for the regular card is 100 yuan, and the annual fee for the gold card is 200 yuan.
Does Bank of China credit card have an annual fee?
The annual fee will be slightly different depending on the type of card you apply for. The details can be found on the official website of Bank of China ()--Convenient Services--Services Price list, make an enquiry.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
That’s it for the introduction of the annual fee for Bank of China credit card.