There is no annual fee and no small management fee. In most cities, China Merchants Bank charges a small account management fee every month if the average daily balance of its one-card gold card (debit card) is less than 50,000. However, if you are a salary card and use a one-card gold card to pay your salary, China Merchants Bank will be exempted from the small account management fee. If you swipe your card, the handling fee will be borne by the merchant and you don't need to pay it. As for the six free annual fees, it is a CMB credit card, not a one-card card. One-card card does not need to rely on the number of swipes to avoid the annual fee. This card has no overdraft function, so you can spend as much as you have in the card. However, it is relatively easy to apply for a CMB credit card when there is already a one-card gold card. You can apply to the lobby manager at any outlet of China Merchants Bank, and it should be approved.
China Merchants Bank's latest annual fee charging standard and annual fee-free rules for credit cards in 2020;
1, gold card (including AE gold card): 300 yuan for each main card and 150 yuan for each auxiliary card; Free annual fee in the first year, free annual fee in the following year if you swipe your card 6 times a year, and this discount is not applicable to some card types;
2. Ordinary card (including AE green card): the main card 100 yuan, and the auxiliary card 50 yuan; Free annual fee in the first year, free annual fee in the following year if you swipe your card 6 times a year, and this discount is not applicable to some card types;
3.VISAMINI cards: each main card 150 yuan, and each auxiliary card/75 yuan.
4.VOGUE Titanium Card and HELLOKITTY Gold Card (perfume card): each card of the main card is 300 yuan, and the auxiliary card has no annual fee.
5. All-currency international credit cards (including co-branded cards and study abroad credit cards under the category of all-currency international credit cards) and all-currency international platinum cards: annual fees are exempted during the validity period.
6. Centurion black gold card: the main card is 38,800, and each card is 20,000. Limited to one supplementary card.
7. Centurion Black Gold Card (version 20 12): the main card18,000 yuan, the auxiliary card 9,000 yuan, limited to two auxiliary cards.
8. Unlimited credit card: the main card 10000 yuan, and the auxiliary card is 5000 yuan.
9. Diamond Credit Card and Centurion Platinum Card: the main card is 3,600 yuan, and the secondary card 1.800 yuan is limited to two secondary cards.
10, classic platinum credit card: 3,600 yuan for the main card and 2,000 yuan for the auxiliary card.