Under normal circumstances, if the bank stipulates that the annual fee can be reduced as long as the number of credit card swipes is reached, there is usually no requirement for the amount of credit card swiping, only for the transaction types that are free of annual fee, many of which need to be swiped and do not support cash withdrawal, which is subject to the regulations of each bank.
Taking Guangfa Bank as an example, the transaction types such as POS credit card consumption/online consumption/Alipay consumption/international consumption/remittance/cash withdrawal/cash exchange for gifts/installment deduction/withholding fee/withholding charitable donation all meet the annual fee-free transaction types.
In addition, there is a condition that bank credit cards are free of annual fees, but they must be swiped, but the number of swipes will not be required. Anyway, the amount and number of swipes are usually not required at the same time, otherwise it is really difficult.
It should be reminded here that although the annual fee can be reduced by the number of swipes or the amount of swipes, there are still some things to pay attention to. For example, to understand the settlement cycle of the annual credit card fee, swipe your card within the prescribed time limit. If it is not up to standard, there is an annual fee. After repayment, you can call customer service and ask if you can make up the annual fee.
In short, there is no annual fee for credit card swiping. If the number of swipes is specified, the swiping amount is no longer required. If it is really unclear, it is recommended to call the issuing bank's credit card service hotline and refer to the manual customer service for specific requirements to ask whether the annual fee is free.
1, Bank of China
Puka and Gold Card: free of annual fee in the first year, and free of annual fee in the following year after swiping the card for 5 times.
Platinum card: the annual fee is free in the first year. If the amount of 12 exceeds 20,000 yuan, the annual fee can be exempted, or it can be deducted with the points of 10000 yuan. Applicable card types: including UnionPay Platinum Card, Double Standard Platinum Card and Urban Colorful Platinum Card.
2. Agricultural Bank of China
Puka and Gold Card: the annual fee is free in the first year of card opening, and the annual fee is free in the next year after swiping the card for 5 times.
Platinum card: swipe your card 30 times a year, free of the annual fee for the following year.
3. China Construction Bank
Puka and Gold Card: 3 annual transactions (consumption/cash withdrawal) are exempt from the annual fee of the following year.
Platinum card: the annual fee for the following year can be exempted if the annual consumption or withdrawal reaches 10.
4. Industrial and Commercial Bank of China
Puka and Gold Card: Free in the first year, and the annual fee for the following year is exempted if the accumulated consumption is over 5 or the consumption amount is over 5,000 yuan.
Platinum card: the annual fee is 200,000 yuan and the annual fee is 4 million yuan.
5. China Merchants Bank
Puka and Gold Card: Spend RMB 6,000 to RMB 5,000 per year in any form, free of the annual fee for the following year, and can be purchased online.
Platinum card: you can use 10000 points to offset the annual fee. Although 20 yuan only has 1 integral, he has 10 times integral on his birthday.
6. China CITIC Bank
Puka and Gold Card: spend 1 time a month, free of the annual fee of the current year, swipe the card for 5 times, and free of the annual fee of the next year.
Platinum card: the annual fee in the first year is inevitable, and the points can be deducted in the second year. For example, I Platinum Premium Card can get 450,000 points or 220,000 points+1000 yuan.
7. Shanghai Pudong Development Bank
General card and gold card: swipe the card 1 time within 2 months, free in the first year, and free of 5 swipes or 1 foreign currency consumption in the next year.
Small platinum: after activation, you need to pay the annual fee for the first year. If there are 18 valid transactions or the amount exceeds 50,000, you can waive the annual fee for the next year.