How much does it cost to apply for a card
In recent years, with the popularity of financial services, more and more people have begun to pay attention to the processing fees of various bank cards and credit cards. This article will combine the hot topics and hot content on the Internet in the past 10 days to provide you with a detailed analysis of the fee structure for card application and provide digitized reference information.
1. Overview of bank card processing fees
Bank cards are usually divided into two categories: savings cards and credit cards. The fees of different banks and card types vary greatly. The following is a recent comparison of card application fees from popular banks:
| Bank name | Card type | Cost of production | annual fee | Other expenses |
|---|---|---|---|---|
| ICBC | Debit card | 5 yuan | 10 yuan/year | Small account management fee (charged for less than 300 yuan) |
| China Construction Bank | Debit card | free | 10 yuan/year | none |
| China Merchants Bank | Credit card (regular card) | free | 100 yuan/year | The annual fee is waived in the first year, and the annual fee is waived for the following year after spending 6 times. |
| Bank of China | Credit Card (Gold Card) | free | 200 yuan/year | The annual fee is waived in the first year, and the annual fee is waived for the following year after spending 5 times. |
2. Credit card annual fee preferential policy
Recently, many banks have launched credit card annual fee reduction activities. The following is the preferential information of some banks:
| bank | Card type | Annual fee policy |
|---|---|---|
| Bank of Communications | platinum card | The annual fee is waived in the first year, and the annual fee is waived in the following year if you spend over 30,000 yuan. |
| Ping An Bank | car owner card | The annual fee is waived in the first year, and the annual fee is waived in the following year if you spend over 10,000 yuan. |
| Shanghai Pudong Development Bank | AE Platinum Card | The annual fee is waived for the first year, and the annual fee is waived for the following year if you spend over 100,000 yuan. |
3. Fees for special cards
Some high-end credit cards or co-branded cards have higher annual fees but come with more benefits. The following are the recently popular special card fees:
| bank | Card type | annual fee | rights and interests |
|---|---|---|---|
| China Merchants Bank | Centurion Black Gold Card | 3800 yuan/year | Airport VIP lounge, high points cashback |
| China CITIC Bank | Air China co-branded platinum card | 2,000 yuan/year | Free airline miles, travel insurance |
4. Things to note when applying for a card
1.Debit cards have lower fees: Most banks charge a deposit card fee between 5-20 yuan, and some banks charge it for free. The annual fee is usually 10 yuan/year, but it can be reduced by meeting certain conditions.
2.Credit card annual fees vary widely: Regular cards have lower annual fees, while high-end cards such as gold cards and platinum cards have higher annual fees, but they usually have exemption policies. It is recommended to choose according to your own spending power.
3.Follow bank activities: Recently, many banks have launched card application discounts, such as annual fee waivers, bonus points, etc. You can give priority to these types of cards.
4.Avoid unnecessary expenses: Some banks charge management fees for small accounts. It is recommended to keep the account balance up to standard.
5. Summary
The fees for applying for a card vary depending on the bank and card type. Debit card fees are generally lower, while credit card fees vary depending on the level and benefits. There have been many bank promotions recently. It is recommended that users choose the appropriate card type according to their own needs and make full use of the exemption policy to reduce the cost of card application.
Through the above analysis, I believe you have a clearer understanding of how much it costs to apply for a card. If you need to apply for a card in the near future, you may wish to compare the fees and benefits of several banks and choose the most cost-effective solution.
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