As long as you brush it six times at will, you will be free of annual fee. As long as you brush it six times, you will be exempted from the annual fee the following year.
1. ICBC: If you spend five times a year or the amount reaches 5,000 yuan, you can waive the annual fee for that year.
2. Agricultural Bank of China: Free of annual fee in the first year.
3. Bank of China: Users who apply after March 1 will be exempted from the annual fee for the first year and the annual fee for the next year after spending five times; China Bank's credit card is free of annual fee in the first year, and it is free of annual fee in the following year if it is swiped five times.
4. CCB: Gold card and ordinary card are exempt from the annual fee in the first year, and the annual fee in the following year is exempted by swiping the card three times a year.
5. China Merchants Bank: Free of annual fee in the first year, and free of annual fee in the following year (unlimited amount) for spending six times a year.
6. Pufa: Gold card and Puka are free of annual fee in the first year. In the first year, the consumption amount of gold card is over 5,000 yuan, and the consumption amount of Puka is over 2,000 yuan, so the annual fee for the second year is exempted.
1, Jinsui QQ Alliance IC Credit Card of Agricultural Bank, All-currency International Chip Credit Card of China Construction Bank, All-currency Credit Card of China Merchants Bank, VISA Card of Samsung and Olympic Games and Dingka of Postal Savings Bank are all free of annual fees for life.
2. At present, most credit cards need an annual fee, but some banks will also launch an annual fee-free activity, and cardholders can get rid of the annual fee by swiping their cards a certain number of times. For example, the Jinsui Youyou World Credit Card launched by the Agricultural Bank of China, the annual fee for 200 yuan is free for users in the first year. You only need to swipe your card five times in the first year, and you can get rid of the annual fee for the second year.
3. After applying for a credit card, some people are not very satisfied with the credit line given by the bank and will choose not to activate the card or cancel it. However, some credit cards will generate annual fees even if they are not activated. If the cardholder fails to cancel and pay the annual fee, it will eventually lead to the overdue behavior of annual fee withholding of the credit card without consumption. According to different products, the annual fee collection standard is slightly different. If it is a CCB credit card, the general card can be exempted from the annual fee according to the number of swipes, except for special cards. The annual fee of the UnionPay version of Longka Family Credit Card is 580 yuan/card/year, and the annual fee of the supplementary card is 300 yuan/card/year. There is no annual fee for not swiping the card. Whether the card is activated or not, China Construction Bank has the right to charge an annual fee.
Which credit cards of China Everbright Bank are free of annual fees?
1. Free annual fee for life: spell-and-spell co-branded credit card, Everbright Taobao movie doll co-branded card, Everbright Netease koala co-branded card, light Q card blue starry sky, a little information co-branded credit card (rich and willful), Everbright Road pink card/little blue card, light Q card pink dream, Everbright Dream Westward Journey credit card gold card, Everbright Guevara co-branded card, and Everbright Green Zero Carbon credit card.
2. Free of annual fee in the first year, and free of annual fee in the following year after three transactions in the same year: Everbright Little Yellow Duck Meng Tong Theme Card, BDUCK Little Yellow Duck Theme Card Husky Edition and BDUCK Little Yellow Duck Theme Card buffy Edition.
3. Everbright Lucky Cat Theme Credit Card (or free of charge for the next year when it is over 2000 yuan), Fashion COSMO Co-branded Credit Card, Everbright Jiaren Perfume Credit Card, Everbright Securities Fuzun Co-branded Credit Card, Everbright Sohu Video Co-branded Credit Card Gold Card, Everbright Bank Basketball Black Card, Fu Credit Card, Everbright Fu Credit Card Gold Card and Everbright Yanhuang Credit Card Gold Card.
4. Free of annual fee in the first year, and free of annual fee in the following year for six transactions in the same year: Sunshine Billion Titanium International Credit Card and Everbright Elite Credit Card.
Extended data
Annual fee deduction process:
I. Period of validity of integral deduction:
You can call our 7×24-hour global VIP service hotline 4008-11-333, and apply for points to deduct the annual fee within the validity period specified in the table below. Applications outside the validity period cannot be deducted.
Second, the way to apply for deduction
1. Call the 724-hour global VIP service hotline 4008-11-333 to apply for deducting the annual fee with points.
Annual fee standard
1. The annual fee policy of most banks has not changed. General standard credit card annual fee is about 100 yuan, and gold card annual fee is generally 200 yuan or 300 yuan. The annual fee of a single-currency card is lower than that of a dual-currency card. Generally, the annual fee of the supplementary card is halved corresponding to the annual fee of the main card.
2. But the annual fee standard of different bank credit cards will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee of 360 yuan Pudong Development Co-branded Card.
3.PUFA McDull series credit cards have been branded as "free of annual fee for life". Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
Free annual fee rule
1. It's not cost-effective to apply for a card without swiping it, but also to post the annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees.
2. Cardholders generally think that credit card agents are exempt from annual fees in the first year, but not all cards are exempt from annual fees in the second year after they are swiped to a certain standard. For example, ICBC's credit card does not charge an annual fee in the first year, but it needs to be swiped five times or spend more than 5,000 yuan to avoid the annual fee for that year; According to the regulations of China CITIC Bank, the annual fee for the first year can only be waived if you swipe your card once in the first month after issuing the card.
Species introduction
1, business travel credit card. This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection.
3. Business credit card, central budget unit business credit card, sunshine business credit card and Shaanxi budget unit business credit card all belong to this kind of credit card.
4. Sports credit card. This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices. The main function of Formula One racing credit card is to watch all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices.
5. UnionPay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.
6. Charity credit card. This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption. Mother's Water Cellar-Love Credit Card features that China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar".
7. The characteristic of Wuhan Hope Credit Card is that everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each card successfully issued; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.
8. Car/gas credit card. Everbright Bank has never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company.
9. Baidu Encyclopedia-Da/Anbang Club co-branded credit card can be used as Anbang Club membership card and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty and modification.