The annual fee of China Merchants Bank's credit card varies according to different card types. For example, the annual fee of the main card of Puka 100 yuan, and the annual fee of the auxiliary card is 50 yuan; The annual fee of the main gold card is 300 yuan, and the annual fee of the supplementary card is 150 yuan; The annual fee of the classic platinum credit card is 3,600 yuan for the main card and 2,000 yuan for the auxiliary card; Usually, you can call the customer service hotline of China Merchants Bank Credit Card to confirm the card fee.

For the first time, China Merchants Credit Card will be exempted from the annual fee in the first year, and the annual fee will be exempted in the second year according to the number of swipes. However, some high-end credit cards can't avoid annual fees, and high-end credit cards will also generate annual fees if they are not activated, mainly because high-end credit cards in banks contain very high rights and interests. Be careful when applying for a credit card.

If the number of credit card swipes of China Merchants Bank fails to meet the annual fee exemption requirement, the annual fee will be displayed on the credit card bill. If this happens, you can apply for a replacement, and the bank will generally agree. If you disagree, you can cancel the credit card threat. At this time, the bank will agree.

The calculation cycle of China Merchants Bank's annual fee is not calculated according to the natural year, but determined by the issuing time. If you really don't understand, you can call the credit card customer service hotline directly and ask for help manually, so that you can get an accurate answer.

The annual credit card fee refers to the annual credit card fee. Each credit card has a corresponding annual fee, and the annual fee of each card in each bank is different. Generally speaking, the annual fee will not be charged until the credit card is activated, which means that you will start to use the card and then charge a usage fee. In order to encourage consumption, banks will give different annual fee reduction policies.

Generally speaking, credit cards and gold cards are exempt from the annual fee in the first year, and the annual fee in the following year can be exempted if the card is swiped for a certain number of times in that year. The number of times each bank needs to swipe its card free of annual fee is different, which is subject to the standards published by the credit card issuing bank.

There are also some high-end platinum cards and unlimited cards that do not have an annual fee-free policy for the first year. Even if it is not activated, there is an annual fee. As long as it is approved, the annual fee will be recorded immediately and needs to be repaid in time.

The reasons for charging the annual credit card fee are as follows:

First of all, every time a bank issues a credit card, there is a certain cost. For example, the basic salary of the card clerk, the commission of the card, such as the production cost of the card, such as the mailing cost of the card. According to incomplete statistics, the cost of issuing a credit card by a bank is as high as several hundred yuan. So we can understand why there is an annual fee. There is a simple reason. If the bank bears such a high cost, and the credit card you get is not used and cannot contribute to the bank, then the bank is doomed to lose money, so the bank will have an annual fee.

Secondly, it is because every credit card is issued with certain rights and interests. For example, the owner card of Ping An will get a 28% discount on gas. For example, CITIC Bank Card 9 yuan will watch movies, such as the VIP channel in the ICBC terminal. These equity banks must bear the cost. Banks are actually creating benefits for customers at a loss, so they must earn it back from the annual fee. This is basically the reason why the annual fee is linked to the rights and interests. Generally, the annual fee is relatively low and the rights and interests are low; The higher the annual fee, the higher the rights. At present, the annual fee is generally tens of dollars, and many of them reach tens of thousands.

How to charge the annual credit card fee of China Merchants Bank?

According to the credit rating and product category of credit cards, ordinary cards, gold cards and American Express cards-gold cards and green cards are exempt from annual fees in the first year, swiping cards six times a year and exempting annual fees in the next year.

The specific annual fee price of China Merchants Credit Card is as follows:

1. Gold card: the main card is 300 yuan, and the auxiliary card is 150 yuan.

2. Ordinary card: the main card 100 yuan, and the auxiliary card 50 yuan.

3. Full-currency international credit card: within the validity period of the card, the annual fee is free for life.

4.VISAMINI card: main card 150 yuan, and auxiliary card 75 yuan.

5.VOGUE titanium card: the main card is 300 yuan, and the auxiliary card has no annual fee.

6.HELLOKITTY Gold Card (perfume card): the main card is 300 yuan, and the auxiliary card has no annual fee.

7. Classic Platinum Credit Card: 3,600 yuan for the main card and 2,000 yuan for the auxiliary card.

8. Exquisite Platinum Credit Card: 800 yuan as the main card and 300 yuan as the auxiliary card.

9. UnionPay Platinum Credit Card: 800 yuan as the main card and 300 yuan as the auxiliary card.

10, unlimited credit card: the main card 10000 yuan, the auxiliary card 5000 yuan.

1 1, business card: elite business card 300 yuan, business credit card 100 yuan, and card purchase in 50 yuan.

12, American express card-centurion black gold card (version 20 12): the main card18,000 yuan, and the auxiliary card is 9,000 yuan.

13, American Express Card-Centurion Black Gold Card: RMB38,800 for the main card and RMB20,000 for the supplementary card.

14, American Express Card-Centurion Platinum Card: 3,600 yuan for the main card and 1.800 yuan for the auxiliary card.

15, American Express Card-Gold Card: the main card is 300 yuan, and the auxiliary card is 150 yuan.

16, American express card-green card: RMB 0/00 for the main card and RMB 0/00 for the auxiliary card 50 yuan.

17. All-currency international platinum card: within the validity period of the card, the annual fee is free for life.

18, American Express Corporate Card: Gold Card 300 yuan, Green Card 100 Yuan.

19, platinum co-branded credit card series: primary card 1800 yuan, and secondary card 900 yuan.

20. Diamond credit card: the main card is 3,600 yuan, and the supplementary card 1800 yuan.

Extended data:

The credit card quota of China Merchants Bank consists of a fixed quota and a temporary quota: the fixed quota is approved by China Merchants Bank; The temporary limit shall be temporarily applied by the cardholder to China Merchants Bank as required. All credit cards (including supplementary cards) under the name of the main cardholder share the same fixed line, and the credit lines of multiple cards are not accumulated.

When your fixed quota can't meet the consumer demand, you can apply to China Merchants Bank for a temporary quota, which will take effect immediately after approval. The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.