The main types of interest on this card are:

1. Overdraft interest: For the part that is not repaid in full within the interest-free repayment period, China Merchants Bank Credit Card will pay the daily interest rate. Calculating the overdraft interest at 0.05%, the corresponding annualized interest rate is approximately 18.25%.

2. Cash withdrawal interest: Interest will be calculated immediately when you withdraw cash. The daily interest is also five ten thousandths (0.05%). For example, if you withdraw 3,000 yuan in cash, the daily interest will be 3,000 yuan times 0.05 percent is equal to 1.5 yuan.

3. Minimum repayment interest: If you choose to repay with the minimum repayment amount, the remaining unpaid portion will also be calculated at a daily interest rate of 0.05%. For example, if you spend 3,000 yuan, the minimum repayment amount is 100%. 10/10 is 300 yuan, and the daily interest on the unpaid portion of 2,700 yuan is 2,700 yuan multiplied by 0.05 percent, which equals 1.35 yuan.