how much is the annual fee for the postal savings credit card? Free of annual fee?

As the fifth largest bank in China, Postal Savings Bank has been widely concerned by people, such as all aspects of information about postal savings credit cards, such as annual fees. Then, how much is the annual fee for the postal savings credit card? Free of annual fee? I will answer your questions today.

the annual fee of postal savings credit card varies according to the credit card level and card type.

what is the annual fee for the postal savings credit card?

1. Puka

Most Puka cards of Postal Bank do not need annual fees, and they are all free of annual fees within the validity period.

Second, the gold card

In the gold card of the Postal Bank, the annual fee is basically 125 yuan for the main card and 125 yuan for the supplementary card in 6 yuan.

Third, Platinum Card

The annual fee for the Platinum Card of Postal Savings Credit Card is RMB 2,6 per year for the main card and RMB 1,3 per year for the supplementary card.

is the postal savings credit card free of annual fee?

Postal savings credit card is directly exempted from the annual fee, while gold card is only exempted from the annual fee for the first year. If you want to exempt the annual fee for the next year, you need to swipe your card for six times in a year before you can waive the annual fee for the next year. Platinum cards are not exempt from the rigid annual fee.

the above is about "how much is the annual fee for the postal savings credit card? Free of annual fee? " The answer is that most ordinary cards are free of annual fees, and the annual fee collection standards and policies for most gold cards are also as summarized above. However, there are many types of cards in the Postal Bank, and the annual fee collection for some individual cards will be slightly different. For details, you can also call the customer service phone of the Postal Bank to ask.

How to swipe the credit card of Postal Bank for six times without annual fee

Online consumption is included in the annual fee-free consumption for six times, and the payment is accumulated once.

swipe the credit card on the merchant pos machine, and the payment will be accumulated once. These are the two most common ways to accumulate consumption. Many banks will charge their cards six times without annual fee or how much they spend without annual fee. < P > No matter how much they spend, they will be counted as the number of card swipes. There is no time limit. It is ok to brush 6 times a day, 6 times a month or 6 times a few months, as long as the cumulative number of times is 6.

Main features of credit card:

1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different card issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

postal credit card annual fee

postal credit cards have annual fees, and the annual fees of different types of cards are different.

the general card is permanently free of annual fees, and the main card and the supplementary card are permanently free of annual fees and expenses.

the main gold card is 125 yuan a year, and the supplementary card is 6 yuan for one year.

There are also some special cards, such as the Central Plains Food Card. The annual fee is one year in 2 yuan, the annual fee is free in the first year, and the annual fee is free in the following year if you swipe your card 1 times.

All-currency credit cards are free of annual fees in the first year, and the annual fees in the following year are free when spending over 12%.

Postal Savings Credit Card is a common RMB credit card, which is a UnionPay standard card. It has all the functions and services of a UnionPay standard credit card, and can be freely consumed at home and abroad. The card is valid for three years and can be equipped with four supplementary cards. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow.

According to statistics, by October 21, the business of China Postal Savings Bank had completely covered all cities, 2,1 counties, cities and major towns in China, and more than 4,5 outlets had started this business nationwide.

what is the annual fee for the credit card of the Postal Savings Zodiac? How to reduce the annual fee

In p>216, the Postal Savings Bank bought the first credit card with the theme of the zodiac. The card pattern is a monkey climbing a branch and holding a peach, which is very collectible. If you want to apply for this credit card, you must consider its annual fee. Then, how to calculate the annual fee of the Postal Savings Zodiac credit card? Is there any way to avoid reducing annual fees?

1. What is the annual fee of the Postal Savings Zodiac Credit Card

The annual fee of the credit card is actually the management fee. As the Postal Savings Zodiac Card is a personal standard UnionPay gold card, besides enjoying some rights and interests of the gold card, its annual fee standard is the same as that of the Postal Savings Credit Card.

when issuing the zodiac card, the annual fee for the first year is exempted; The annual fee for the main card is 125 yuan/year in the following year and every year thereafter, and the annual fee for the supplementary card is 6 yuan/year.

2. How to reduce the annual fee of the Postal Savings Zodiac Credit Card

The validity period of the Postal Savings Zodiac Credit Card is 6 years. Except for the first year when the card is opened, the annual fee for the next 5 years will be 78 yuan, which is quite an expense. But don't worry, the purpose of credit card is to swipe your card. As long as you swipe your card for 6 times in a year, you can reduce the annual fee.

And this place for swiping cards includes not only physical stores but also online payment. For friends who like online shopping, it's a piece of cake to swipe the Postal Savings Zodiac credit card without reducing the annual fee. It's easy to do.

Let's talk about how to avoid the annual fee of postal credit cards.