Credit cards that do not charge annual fees include: Peony Express Card of Industrial and Commercial Bank of China, Ada Card of Bank of Beijing, Platinum Card of Dream Card of Shanghai Pudong Development Bank, Platinum Credit Card of Bank of China, Zunshi Credit Card of Agricultural Bank of China, etc.

Debit cards that do not charge annual fees include Ping An Bank, Jining Bank, Minsheng Bank, Industrial Bank, China CITIC Bank, China Everbright Bank and Shengjing Bank.

For more questions about the annual fee of bank cards, you can go to the local bank outlets for consultation, or you can call the official customer service hotline of the bank.

Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

Classification method

Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can also

According to different information carriers, it is divided into magnetic stripe card and chip card;

According to whether the issuer is in China, it is divided into domestic cards and overseas cards;

It is divided into personal cards and unit cards according to different issuers;

According to the different currencies of accounts, they can be divided into RMB cards, credit cards and dual-currency cards.

debit card

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

credit card

Creditcard, usually called credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.

Which bank's credit card can be exempted from annual fee every year?

At present, the annual fee-free policy of CITIC Bank's credit card is as follows: 1. The annual fee for the first year can be waived if the credit card of CITIC Bank is swiped or withdrawn once within 30 days of card approval, and the annual fee for the next year can be waived if the credit card is swiped or withdrawn five times within one year. 2. There is no charge if the credit card is not activated (note: except CITIC Unlimited Credit Card, Air China World Credit Card, Platinum Credit Card, Magic Titanium Card and Annual Fee Package Card). Annual fee of CITIC Credit Card: annual fee of ordinary card 100 yuan, annual fee of gold card and dual-currency card in 300 yuan; Matters needing attention in credit card installment business of CITIC Bank: 1. Bottom line of installment amount: 600 yuan, the minimum amount of single consumption. 2. Handling fee collection method: installment payment. 3. Provisions on prepayment: prepayment is not allowed. 5. Application time: single installment: 2 days after the credit card consumption transaction: 3 working days before the current bill date. Bill installment: after the current bill date: 3 working days before the current due repayment date.

Free credit card annual fee for life 15 bank credit card list

1, Industrial Bank:

During the promotion period, those who apply for large and small cards will be exempted from the annual fee for life, and VIP members and super VIP members of Tianjin Friendship Commercial Building will successfully apply for Tianjin Friendship Co-branded Credit Card and directly enjoy the annual fee exemption for life.

2. ICBC:

Peony Platinum Credit Card has accumulated 4 million points, and other credit cards are free of annual fees for life as long as they are used for ten years.

3. China Construction Bank:

Red Cross Co-branded Card and Official Card

4. China Merchants Bank:

Samsung and Olympic VISA card

These two cards are also free of annual fees for life, but unfortunately the small card is a single-currency card of US dollars.

5. China Everbright Bank:

Beijing Housing Special Maintenance Fund Card

6. Pudong Development Bank:

Maidouka

7. Bank of Shanghai:

Except for Xingyun and Xinya series cards, all others are exempt from the annual fee permanently, while "Xingyun" series credit cards can be exempted from the annual fee for life if they are swiped 6 times and "Xinya" 1 time in the first year.

8. Shenzhen Development Bank:

Shanghai Youth Card

If the cardholder chooses to use the credit card function, and is in the study period of full-time students, as well as poor and outstanding young people recognized by the Communist Youth League Committee, the bank will be exempted from the annual fee, and if the cardholder chooses the debit card function, no annual fee will be charged;

9. Bank of Communications:

10, Agricultural Bank:

1 1. China CITIC Bank:

12, Huaxia Bank:

700 yuan's annual fee can be waived in the first year.

13, China Postal Savings Bank:

14, Bank of China:

15, Bank of Ningbo:

Which bank doesn't charge an annual fee for credit cards?

There are many banks that don't need annual fees. China Industrial and Commercial Bank: Shanghai Peony American Express Card and Peony Platinum Credit Card have accumulated 4 million points. Other credit cards are free of annual fees for life as long as they are used for ten years. Construction Bank: Red Cross joint card and official card are free of annual fee for life; Bank of China: Great Wall RMB Credit Card Gold Card. Agricultural Bank of China: official card of UnionPay.

Credit card annual fee rules refer to some corresponding provisions of credit card annual fee. Before the cardholder activates the credit card, the bank shall not charge an annual fee. But most people know little about the annual fee rules of credit cards in different banks. The annual fee of credit card is mostly around 100 yuan, and some banks stipulate that the annual fee can be waived by swiping it three times a year. Of course, it is not cost-effective to apply for a card without paying, and you have to pay an annual fee. However, different banks have different annual fee-free rules, which makes it easy for cardholders to inadvertently generate annual fees. 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 when their credit cards reach 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.

In the annual fee-free rules of the following year, some banks stipulate that they can be free as long as they swipe their cards for more than three times, such as China Construction Bank [6.203.85%] and China Everbright Bank; Some banks require more credit cards. For example, an SDB credit card needs 18 times to be exempted from the annual fee for the following year. Most banks, such as ICBC, Agricultural Bank, Bank of China, Bank of Communications, China Merchants Bank, etc. Free of 5-6 annual fees. Silver rate network financial planner pointed out that because the annual fee is not the main source of income for domestic credit card issuers, banks generally stipulate that the annual fee will be exempted only after a certain number of swipes, and there is no limit on the amount. However, banks that limit consumption quotas are not without them. As stipulated by Shanghai Pudong Development Bank, the annual fee for the following year can be exempted if the consumption reaches 2000 yuan or above. In addition, it is particularly noteworthy that the annual fee-free rules of banks are not immutable. The staff of the Credit Card Center of Bank of Communications [8.794.27%] told the reporter that the annual credit card fee is based on the collection time of the annual fee in the first year, and it is pushed back by 12 months, which is the collection time of the annual fee in the second year. Generally, the annual fee-free rules of Bank of Communications credit cards will be notified to cardholders by SMS at the end of the year or the beginning of the following year, and cardholders need to pay attention to whether the annual fee-free rules have changed.

Which bank has no annual fee for credit cards?

Many banks have annual fee-free credit cards, such as UnionPay civil servant cards of Bank of Communications and Agricultural Bank, Great Wall credit card of China Bank, Dingka credit card of Postal Savings Bank, Blue Card of China CITIC Bank, Red Cross co-branded card of China Construction Bank and civil servant card. What I want to tell you is that many banks support spending six times in the same year and enjoying the annual fee-free service the next year.

The annual fee standards of credit cards in different banks are different, and the annual fees of different credit cards in the same bank are also different. However, at present, credit cards issued by domestic banks usually adopt the policy of free annual fee in the first year and free annual fee in the next year after swiping the card for a certain number of times (except for some platinum credit cards), so as long as the credit card can meet the consumption standards required by the bank, it is equivalent to no annual fee. For example, the credit cards of Bank of China, Agricultural Bank and Industrial Bank are exempt from the annual fee in the first year, and the annual fee in the following year is exempted if you swipe your card five times in one year; ICBC credit cards are swiped five times a year, and the annual fee of the current year is exempted (the annual fee of ICBC credit cards is charged at the end of the natural year, not in advance, so there is no saying that the annual fee is exempted in the first year); China Construction 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 three times in one year; The Bank of Communications credit card is free of annual fee in the first year, and the annual fee in the following year can be exempted after swiping the card six times a year (Bank of Communications Platinum Credit Card has no annual fee exemption policy).

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.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

What credit card in China Bank is free of annual fee?

At present, if the card is not activated, China Bank will not charge any fees. In the year when the credit card is used, if the accumulated consumption of the account meets the following conditions, the annual fee for that year can be reduced or exempted, except for special card types:

1. Personal Jinpu card is free of annual fee in the first year and 5 swipes in the second year; Supplementary card annual fee waiver policy is the same as the main card;

2.20 17 -20 18 new platinum card customers are exempted from the annual fee in the first year, and the annual fee for new and old customers in the next year needs to be reduced or exempted 12 transactions are over 20,000 yuan, or the annual fee can be exchanged for 65,438+million trading points; Supplementary card annual fee waiver policy is the same as the main card;

3. All-currency international chip series gold card, ordinary card and platinum card: 20 18 12 3 1 free of annual fee before.

4. World Polar Card/New Unlimited Card Diamond Card: Since 20 17, the annual fee collection policy has been strictly implemented for World Polar Card/New Unlimited Card Diamond Card. In principle, all customers charge annual fees or customers exchange 400,000 trading points for annual fees.

5. Unlimited card dual currency card: 20 18 policy, in principle, an annual fee is required; The annual fee for the following year requires customers to redeem it with 400,000 trading points.

6. American Express Private Bank Card: A new card will be issued in 20 18, and the preferential policy for the first year will be exempted; The annual fee for the following year requires customers to exchange 800,000 trading points, 480 exclusive points or 400,000 trading points and 240 exclusive points.

The above contents are for your reference. Please refer to the actual business regulations.

This is the end of the best introduction about which bank's credit card is free of annual fee and which bank's credit card is free of annual fee and interest. I wonder if you have found the information you need?