Hello, China Merchants Bank's all-currency international credit card 1) All-currency international credit cards can automatically purchase foreign exchange in RMB for repayment; 2) There are no additional conditions to exempt the annual credit card fee during the validity period; 3) Any++consumption in the world, 0 currency exchange fee. Tips: This card has automatic foreign exchange purchase function by default and cannot be cancelled; ++RMB consumption is credited for repayment, and++repayment is not supported. This card cannot be used on the machines of UnionPay line or non-China Merchants Bank cooperative merchants. If you need to trade in the above channels, I suggest you apply for other credit card products of China Merchants Bank. All-currency international credit cards do not support UnionPay channel repayment (including other bank transfer, counter connection, Lacarra, etc.). ) temporarily. 1, if you have more than one CMB credit card under your name, you can return it to the credit card marked with UnionPay through any repayment channel, because the bills of all currency cards are also issued together; 2. If there is only one full-currency card in your name, the repayment methods such as counter cash payment, counter transfer payment, automatic deduction, online banking public version, professional version payment, CDM cash deposit, pocket life, mobile banking, Alipay and Tenpay are currently supported. You can click on the link to learn:
Is China Merchants Bank's all-currency card free of annual fee for life?
China Merchants Bank's all-currency credit card is free of annual fee for life.
All++transactions (including credit card, online shopping and withdrawal) automatically purchase foreign exchange, put RMB into the account, and only need to repay in RMB according to the bill.
Disadvantages of China Merchants Bank's all-currency international credit card: single Visa channel, no UnionPay logo, unable to repay with Alipay, domestic non-Visa channel credit card channel.
China Merchants Bank's all-currency international credit card (also known as all-currency card) is a signed all-currency international credit card jointly launched by China Merchants Bank and VISA. The card supports VISA bank, and no matter what currency, the foreign exchange handling fee of 1.5% is exempted for consumption or withdrawal. All++transactions are automatically purchased in RMB, and only RMB repayment is required. At the same time, the card has a high travel insurance gift.
Extended data:
China merchants bank card function
1. One-to-many accounts include current and fixed savings accounts in RMB, USD, HKD, Japanese yen, Euro and other currencies.
2. All kinds of deposit and withdrawal business shall be handled at any branch of China Merchants Bank in the same city; Handle the off-site deposit and withdrawal business of RMB, Hong Kong dollar and US dollar current savings accounts at various outlets across the country.
3. After the deposit is automatically transferred to deposit, lump-sum deposit and withdrawal and expires, the bank will automatically transfer the deposit according to the original deposit period and bear interest.
4. Self-service Transfer After applying for the self-service transfer function at the counter of China Merchants Bank, you can directly use the self-service channels related to e-banking to handle the following businesses:
① Transfer funds between the "all-in-one card" in the same city and the passbook through online banking, mobile banking, ATM self-service equipment, self-service inquiry terminals and other channels;
② Transfer money to any pre-designated account through online banking, mobile banking, ATM self-service equipment and self-service inquiry terminal channels;
③ Transfer money to any third party account through online banking, mobile banking, ATM self-service equipment and self-service inquiry terminal channels;
Special note: It is used to handle the fixed activity exchange between the same "one-card" RMB account or accounts with the same++banknote and remittance type. You don't need to go to the counter to apply, and the computer system will automatically open.
5. Merchants' consumption shall be settled directly at China Merchants Bank and China UnionPay special merchants.
6.ATM withdrawal: RMB current withdrawal, password modification, third-party transfer and current account balance inquiry are handled at the ATM where China Merchants Bank opens an account; RMB demand withdrawal can be handled at the ATM at the non-account opening place of China Merchants Bank; You can also handle RMB current withdrawal and current account balance inquiry at ATMs of other banks that have joined China UnionPay.
7. The self-service deposit machine can handle RMB demand deposit, lump-sum deposit and withdrawal, lump-sum deposit and withdrawal and other businesses. Self-service deposit machine for opening an account in China Merchants Bank; One card can be deposited in any self-service deposit machine of China Merchants Bank without a card, and the deposit without a card does not support the old eight-card deposit of our bank.
8. Inquire about the counters of China Merchants Bank, self-service banking, telephone banking, online banking, mobile banking and other channels, and provide customers with deposit interest rates, exchange rates, business profiles and various account inquiries.
9. Telephone Banking China Merchants Bank Telephone Banking provides automatic voice service and manual service.
(1) directly dial 95555, and according to the automatic voice prompt, you can handle business such as account inquiry, transfer and loss reporting.
②95555 telephone banking manual service can provide 24-hour business consulting service and accept customer complaints.
10, Mobile Banking As the first financial enterprise in China to launch mobile banking, China Merchants Bank has continuously innovated and launched a series of new-generation mobile banking products, including iPhone version, JAVA version, mobile version, Web version and WAP version. To meet the diverse needs of customers.
1 1. After applying for the function of "Online Personal Banking Professional Edition" at the counter of China Merchants Bank, online banking can realize the synchronous management of one card, passbook and credit card, and carry out transfer and remittance, self-service payment, investment management, loan management, financial planning, financial analysis and functional application.
12. Online Personal Banking Popular Edition uses China Merchants Bank Card. You can directly handle the following personal banking services through online personal banking (Popular Edition): account inquiry, self-service transfer, self-service payment, online payment, investment management, loan management, etc.
13. Online Payment After applying for the "online payment" function at the counter of China Merchants Bank or online banking, the special merchants in the online shopping mall of China Merchants Bank can purchase goods or enjoy other services online, and simultaneously complete the payment of consumption funds.
14. Bank-securities transfer After applying for the bank-securities transfer service function at the counter of China Merchants Bank or the special brokerage office of China Merchants Bank, funds can be transferred between the current account opened at the designated brokerage office and the securities deposit account through self-service equipment such as telephone banking and online banking of China Merchants Bank. This function is mainly applicable to the transfer of++funds between current account and securities deposit.
15. After the third-party depository is specified in advance at the counter of the brokerage firm and the third-party depository function is confirmed at the counter of China Merchants Bank (some brokers can open one-stop accounts for the third-party depository at the counter of the brokerage firm), the mutual transfer of funds between the current account and the securities depository account opened at the designated brokerage firm can be realized through the self-service equipment of electronic banking such as telephone banking and online banking of China Merchants Bank. This function is mainly applicable to the transfer of RMB funds between current account and securities deposit.
16. Yinjitong can handle the purchase, subscription and redemption of various open-end funds through the counter, telephone banking, online banking and mobile banking, while other open-end funds are handled at the counter.
17. Entrusted wealth management can inquire about wealth management products, account positions, current transaction entrustment, account historical transactions and other information through our counter, telephone banking, online banking and mobile banking, and can handle the subscription, purchase, redemption and cancellation of our wealth management products.
18, the insurance agency business can purchase all kinds of insurance products at various branches of China Merchants Bank with the insurance information such as this card, insurance application form and identity documents, and enjoy telephone sales and online sales of insurance financing services.
19. With the opening of the personal gold trading business of "lucky money" in the corresponding channel of China Merchants Bank, the gold business can be entrusted and inquired about the trading of various precious metals listed on the exchange through different channels, and the personal gold and silver investment and purchase business of China Merchants Bank can be handled through the counter channel of China Merchants Bank.
20. After applying for personal foreign exchange trading business at the counter of China Merchants Bank or the professional version of online banking, you can handle foreign exchange trading entrustment, inquiry and other businesses in channels such as telephone banking, self-service inquiry terminal, professional version of online personal banking and professional version of wealth account of China Merchants Bank. Customers can easily participate in and invest in the international foreign exchange market to obtain certain investment reports.
2 1. Self-service loan After signing an agreement with China Merchants Bank, the self-owned++time savings deposit deposited in China Merchants Bank card is used as pledge to apply for a loan from China Merchants Bank through electronic banking self-service equipment such as telephone banking, online banking and self-service terminals, and self-service repayment is made through the above channels.
22. Self-service payment after applying for the self-service payment service function at the counter of China Merchants Bank or through electronic banking channels such as telephone banking, online banking and mobile banking. Pay various fees to the special charging unit of China Merchants Bank through telephone banking and online banking of China Merchants Bank.
23. Agency business According to the written entrustment of the unit or individual, the bank can pay wages or remit various expenses for the unit or individual.
References:
All-in-one card | Change for you and realize your dream _ China Merchants Bank
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
The introduction of China Merchants Bank visa full currency credit card ends here.