1. The first category is catering and entertainment, including catering, entertainment, jewelry, arts and crafts, real estate and automobile sales. The overall rate is 1.25%, of which 0.9% is the service fee of the issuing bank, 0. 13% is the network service fee of the bank card clearing institution, and the benchmark price of the bill collection service fee is 0.22%.

2. The second category is general category, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. The overall rate is lowered to 0.78%, including 0.55% of the service fee of the issuing bank, 0.08% of the network service fee of the bank card clearing institution, and the benchmark price of the acquiring service fee. 0. 15%, the wholesale category is capped in 26 yuan.

3. The third category of the new bank card processing fee standard is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation and ticket sales. The overall rate is 0.38%.

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Whether consumers charge a small fee after online credit card shopping is related to the seller. Some sellers have opened credit card business, so the small expenses incurred by consumers do not need to be paid by themselves, but borne by the sellers, otherwise they need to be borne by themselves. It is reported that shops offering credit card payment services will have an orange credit card logo.

According to industry insiders, the handling fee of 1% is not much. If the total price of the purchased goods is high, the handling fee of 1% cannot be ignored, so if consumers want to choose a credit card, it is best to settle the account first. If consumers don't want to bear the cost, they can choose other payment methods, such as debit cards.