China Merchants Bank's credit cards have to pay an annual fee, but some cards have an annual fee-free discount.
The amount deducted from the annual fee of China Merchants Credit Card is related to the type of credit card. The annual fee of Puka is generally 65,438+000 yuan per year, and the supplementary card of Puka is in 50 yuan every year. The annual fee for the gold card is RMB 300 yuan, and the annual fee for the supplementary card is RMB 150 yuan. The annual fee for platinum card is RMB 3,600 per year, and the annual fee for supplementary card is RMB 2,000 per year. The annual fee for unlimited cards is 6,543,800 yuan per year, and the annual fee for supplementary cards is 5,000 yuan. China Merchants Bank credit cards (Puka, Gold Card) are free of annual fees in the first year, swiped six times a year, and free of annual fees in the next year. Alipay recharge is included in the number of consumption. There is no annual fee-free policy for China Merchants Bank Platinum Card, and an annual fee must be paid if the application is successful.
On June 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption for Chinese people. After more than ten years' struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China and the leading diversified marketing platform in China" and won many honors.
Adhering to China Merchants Bank's business philosophy of "changing with you", China Merchants Bank's credit card has continuously refreshed the cardholder experience with product innovation and service upgrade, and has become a leading brand in the credit card industry.
In recent years, China Merchants Bank's credit cards actively seek digital transformation, forge ahead, take the lead in building financial internet, and create a scientific and technological legend in the domestic credit card industry. From 2002 to 2020, the development of China Merchants Bank's credit card can be summarized into three stages, namely "starting a business", "pioneering" and "strategic transformation".
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
What is the annual fee for VISA credit card of China Merchants Bank?
Annual fee for VISA Credit Card of China Merchants Bank:
Ordinary card: the annual fee of the main card 100 yuan, and the annual fee of the auxiliary card is 50 yuan.
Gold card: the annual fee of the main card is 300 yuan, and the annual fee of the auxiliary card is 150 yuan.
The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period of the credit card is below++,and the previous day is the issuing date), which is not a natural year.
If you successfully apply for China Merchants Bank Credit Card, China Merchants Bank Credit Card or your partner will reduce the annual fee for the first year in advance, and reduce the annual fee (unlimited amount) for six times in the whole year of the second year (from the spontaneous card date, non-natural year), and reduce the annual fee for six times in the third year. The annual fee for a single card can be reduced or exempted for the following year after spending 6 times (the amount and form are not limited).
And this offer is valid for a long time before the change notice of the new annual fee preferential policy. The number of online consumption can also be accumulated into six annual fee reductions in the following year.
Extended data:
The difference between China Merchants Bank VISA credit card, gold card and ordinary card;
1. In addition to the annual fee, the credit limit is also the biggest difference between a gold card and an ordinary card. The credit limit of gold card is between 10000- 15000, and that of ordinary card is between 3000- 10000. Generally, when you apply for a high-amount gold card, you should provide proof of identity and income when you apply for a standard credit card, as well as proof of assets such as cars and real estate, which makes it easier to successfully apply for a gold card.
Generally speaking, gold cards can enjoy discounts from many merchants' preferential activities, and there are also many discounts for opening cards. After the Ctrip co-branded card is successfully opened, the gold card will give Ctrip points 1800 points, and the ordinary card will give 800 points. Aviation accident insurance gold card coverage is 2 million, and ordinary card will be 500 thousand. Air China Companion Co-branded Card Aviation Inconvenience Insurance Premium 1 1,000 Yuan, Puka 300 yuan.
2. The design of credit card is different. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards. Puka has different colors and no obvious features.
3. With different discounts, gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.
In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and conveniences. For example, overseas, we provide free emergency card replacement services for gold card holders.
References:
Baidu Encyclopedia-China Merchants Bank Full Currency International Credit Card
China merchants bank visa full currency credit card annual fee
Visa full currency credit card of China Merchants Bank is free of annual fee. All-currency international credit card holders of China Merchants Bank are exempt from the annual credit card fee without attaching any consumption conditions during the validity period of the card.
When, where and what kind of++is used, the foreign exchange handling fee of 1.5% is exempted when using this card for consumption or withdrawal. No matter where you conduct++transactions in the world with this card, you can automatically purchase foreign exchange in RMB for bookkeeping, and you only need to repay it in RMB.
Annual credit card fee:
The annual fees of different credit cards are different, and the annual fees of different card issuers are also different. Generally speaking, the annual fee of Puka is 100- 150 yuan, the annual fee of Gold Card is 300-500 yuan, and the annual fee of Platinum Card is often more than 1000 yuan.
1. Can the credit card be exempted from the annual fee?
The student card for college students is free for life. Most ordinary cards and gold cards are free of annual fees in the first year. After that, if the number of swipes meets the requirements of the bank, the annual fee for the next year can be waived. Because customers who can handle platinum cards are generally financially strong, considering that people are not short of this little money, it is inevitable to pay an annual fee. The collection time of annual credit card fee is: the annual credit card fee is free in the first year, assuming that the card is opened in March, and the annual credit card fee will be collected in March next year.
2. Is the annual credit card fee the only fee?
In fact, many credit cards have annual fees, similar to service fees. In other words, even if you don't use this credit card, you have to pay an annual fee. This has also been ignored by many people, and finally led to a lot of unnecessary trouble. It is true that credit cards are interest-free, but this does not sum up everything. In fact, many credit cards still generate some interest. Now you have to pay a certain handling fee to withdraw cash by credit card.
If you want to reissue a credit card, many banks need to pay a 50-60 yuan loss reporting fee, but this money is actually unnecessary. That is to apply for cancellation of the card and then reapply. However, when using this method, you must make such preparations and don't forget to ask for the previous arrears. Another point is that when you apply for the same type of credit card, you will be hindered and you can only apply for other types.
The annual credit card fee refers to the fee that the cardholder needs to pay to the bank when using the credit card. Generally, after the cardholder activates the credit card, the annual credit card fee is charged every year. The annual fee policy of each bank is different, and the amount charged is also different.
Annual Credit Card Fee of China Merchants Bank:
If you successfully apply for China Merchants Bank credit card, China Merchants Bank credit card or partners will reduce the annual fee for the first year, and the annual fee will be reduced for six times (unlimited amount) in the whole year of the second year (from the spontaneous card date, non-natural year), and reduced for six times in the third year. The annual fee for a single card can be reduced or exempted for the following year after spending 6 times (the amount and form are not limited). And this offer is valid for a long time before the change notice of the new annual fee preferential policy. The number of online consumption can also be accumulated into six annual fee reductions in the following year. Unlimited Card/Platinum Card/Business Card /ANA Co-branded Card /VISAMINI Card /MSN
Is there an annual fee for China Merchants Bank International Credit Card? The introduction of the annual fee for China Merchants Bank International Platinum Card is over. I wonder if you have found the information you need?