As the fifth largest bank in China, the Postal Savings Bank has been widely concerned by people, such as various information about postal savings credit cards, such as annual fees. Then, what is the annual fee for the Postal Savings Credit Card? Free annual fee? I will answer your question today.

The annual fee of postal savings credit card varies according to the credit card level and card type.

How much is the annual fee for postal savings credit card?

First of all, Puka

Most of the Puka cards of the Postal Savings Bank do not need annual fees, and they are all free of annual fees within the validity period.

Second, the gold card

The annual fee for the gold card of the Postal Savings Bank is basically the main card 125 yuan and the supplementary card 60 yuan 125 yuan.

Third, platinum card.

The annual fee for Platinum Card of Postal Savings Credit Card is 2,600 yuan for the main card and 1.300 yuan for the supplementary card.

Is the Postal Savings Credit Card free of annual fee?

Postal savings credit cards are directly free of annual fees, while gold cards are only free of annual fees for the first year. If you want to waive the annual fee for the next year, you need to swipe your card six times in one year to waive the annual fee for the next year. Platinum card can not be exempted from the rigid annual fee.

The above is about "how much is the annual fee for the postal credit card?" Free annual fee? "The answer is that most ordinary cards are free of annual fees, and the annual fee collection standards and policies for most gold cards are also summarized above. However, there are many kinds of cards in the Postal Savings Bank, and the annual fee for individual cards will be slightly different. You can also call the customer service phone of the Postal Savings Bank for details.

How to charge the annual fee for the postal savings credit card?

Different cards have different fees. 1 Ordinary postal savings credit card holders, the annual fee of the credit card is free in the first year, and the annual fee of the credit card in the following year can be exempted if they swipe their cards six times a year.

The annual gold card fee of Postal Savings Bank is charged according to the annual standard of 1.25 yuan, and the supplementary gold card is charged according to the annual standard of 60 yuan.

The gold card credit card of Postal Savings Bank can charge the maximum annual fee of 300 yuan, which the cardholder must pay.

The annual fees of different credit cards are different, and the annual fees of different card issuers are also different. Generally speaking, the annual fee of Puka is 100- 150 yuan, the annual fee of Gold Card is 300-500 yuan, and the annual fee of Platinum Card is often more than 1000 yuan.

Can credit cards be exempted from annual fees?

The student card for college students is free for life. Most ordinary cards and gold cards are free of annual fees in the first year. After that, if the number of swipes meets the requirements of the bank, the annual fee for the next year can be waived. Because customers who can handle platinum cards are generally financially strong, considering that people are not short of this little money, it is inevitable to pay an annual fee. The collection time of annual credit card fee is: the annual credit card fee is free in the first year, assuming that the card is opened in March, and the annual credit card fee will be collected in March next year.

Is the annual credit card fee the only fee?

In fact, many credit cards have annual fees, similar to service fees. In other words, even if you don't use this credit card, you have to pay an annual fee. This has also been ignored by many people, and finally led to a lot of unnecessary trouble. It is true that credit cards are interest-free, but this does not sum up everything. In fact, many credit cards still generate some interest. Now you have to pay a certain handling fee to withdraw cash by credit card. If you want to reissue a credit card, many banks need to pay a 50-60 yuan loss reporting fee, but this money is actually unnecessary. That is to apply for cancellation of the card and then reapply. However, when using this method, you must make such preparations and don't forget to ask for the previous arrears. Another point is that when you apply for the same type of credit card, you will be hindered and you can only apply for other types.

The annual credit card fee refers to the fee that the cardholder needs to pay to the bank when using the credit card. Generally, after the cardholder activates the credit card, the annual credit card fee is charged every year. The annual fee policy of each bank is different, and the amount charged is also different.

One year's time is counted from the time the user opens the card.

In general, the annual credit card fee is calculated from the activation time of the user's card opening, not from the natural year. For example, when the user opens the card, the time is 65438+ 10/2020, then the year of 202 1 65438+1 0/is the year for calculating the annual credit card fee.

What is the annual fee for postal credit cards?

Puka: Free of annual fee, except special products.

Gold card: main card 125 yuan/year, and auxiliary card 60 yuan/year. The annual fee is free in the first year, and the annual fee is free in the second year if certain card conditions are met. Except for special products as otherwise specified.

Dingya Platinum Card: main card 500 yuan/year, subsidiary card 200 yuan/year. The annual fee is free in the first year, and the consumption in the second year is over 70,000 or deducted by 20.

Postal savings credit card is a RMB credit card, which is a UnionPay standard card. It has all the functions and services of UnionPay standard credit card and can be used freely at home and abroad. The card is valid for three years and can be equipped with four supplementary cards.

The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding", the background color of Puka is blue-green, and the background color of Gold Card is golden yellow. The main pattern of the credit card of China Postal Savings Bank is the Chinese character "Ding" with a blue-green background. "Ding"-Since ancient times, "Ding" has been regarded as an important weapon to spread the country and a symbol of the country and power. The word "Ding" in Chinese characters has also been given extended meanings, such as "distinguished", "distinguished" and "grand". This card takes "Ding" as the main design element, which embodies the connotation of sincerity and trustworthiness, and the service commitment of China Postal Savings Bank to "stand for you". Puka blue-green background color-incorporating green, healthy, convenient and fashionable life concept. Gold card with golden background-24K gold courtesy, showing distinguished life. Special shiny material-international advanced technology, showing the fashion and noble quality of cardholders.

Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal and installment payment. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption. The blue-green card background symbolizes peace, life and hope, and injects a relaxed, bright, convenient and fashionable card concept into life. The biggest feature of the postal savings credit card is that it is free of annual fees for life. After applying for opening the credit card of Postal Savings Bank, customers will not have to worry about the complicated annual fee reduction rules. Moreover, there are many ways to repay credit cards: cardholders can repay through various outlets of the Postal Savings Bank, automatic transfer, self-service deposit machines and ATM transfers.

What is the annual fee for postal credit cards?

Puka: the official card is free of annual fee all year round; Traffic co-branded card 50 yuan every year; The annual fee for the main card of Love Charity Card is 50 yuan, and the annual fee for the supplementary card is 20 yuan; 50 yuan, the main card, and 20 yuan, the deputy card.

Gold card: the main card of self-mailing family co-branded card is 100 yuan per year, and the supplementary card is 50 yuan; Zhongyuan Food Card Co-branded Card is in 200 yuan every year, and the supplementary card is in 60 yuan every year; Traffic co-branded card master card per year 125 yuan.

Postal savings bank credit card annual fee-free policy

Most credit cards are free of annual fees in the first year, and they are free of annual fees after spending six times in the second year.

Extended data:

Postal savings bank credit card is a standard RMB credit card of UnionPay, which has rich functions such as overdraft consumption, overdraft cash withdrawal, installment payment, points earning and so on. Provide 24-hour customer service hotline, free bill delivery, self-deduction repayment association and other services. In addition, there are powerful functions such as free transaction fees for repayment in different places, free SMS reminders for large transactions, and interest-free period concessions for consumption.

The minimum available amount for application is RMB 3,000, of which RMB 65,438+0 can be used for cash withdrawal in 500 yuan.

The newly issued credit card of Postal Savings Bank is designed with Ding as the pattern, which not only shows the historical and cultural heritage, strong strength, sincerity and trustworthiness of the postal service, but also reflects the service commitment of Postal Savings Bank to "do the best for you". The blue-green card background symbolizes peace, life and hope, and injects a relaxed, bright, convenient and fashionable card concept into life. The biggest feature of the postal savings credit card is that it is free of annual fees for life. After applying for opening the credit card of Postal Savings Bank, customers will not have to worry about the complicated annual fee reduction rules. Moreover, there are many ways to repay credit cards: cardholders can repay through various outlets of the Postal Savings Bank, automatic transfer, self-service deposit machines and ATM transfers.

Application conditions

Since April 2009, anyone who has reached the age of 18, meets the requirements for applying for a credit card of the Postal Savings Bank and provides complete supporting materials can apply at all branches of Quanzhou Branch of China Postal Savings Bank.

charging standards

Annual fee: 65438 yuan +025 yuan/year for the main gold card and 60 yuan/year for the supplementary card; Puka is free of annual fees for life.

SMS service fee: Gold card is free, Puka 3 yuan/month/household.

Interest-free period: 20-5 1 day

Minimum repayment ratio: 10%

Cash withdrawal fee: 1% of the domestic transaction amount, with a minimum of 10 yuan, plus inter-bank 2 yuan fee. Overseas, the transaction amount 1%, the lowest in 20 yuan.

Late payment fee: 5% of the unpaid part of the minimum repayment amount, minimum 10 yuan.

Over-limit fee: 5% of the over-limit amount: the lowest 5 yuan and the highest 200 yuan.

Handling fee for reading the bill: copy 10 yuan/copy, and original 50 yuan/copy.

Handling fee for reissued bills: free of charge within 3 months, and 5 yuan/copy for more than 3 months.

To recover the overpaid handling fee: 0.5% of the domestic transaction amount, with a minimum of 10 yuan, and 2 yuan handling fee will be charged across banks. Overseas, 0.5% of the transaction amount, the lowest is 20 yuan.

Loss reporting fee: gold card 40 yuan/time; Puka 20 yuan/time

Cost of resetting password letter: 15 yuan/time.

Is the postal ordinary credit card free of annual fee for life? How much does it cost to get this card?

Hello, I'm glad to answer your question. Many banks will offer cardholders an annual fee-free discount, and the Postal Savings Bank credit card will also have a corresponding annual fee-free policy. Details are as follows:

First, the Postal Savings Bank credit card annual fee Puka.

1. The official card is free of annual fee.

2. The main card of the traffic joint card is 50 yuan/year.

3. The annual fee for the main card of Love Charity Card is 50 yuan, and the annual fee for the auxiliary card is 20 yuan.

4. The annual fee for the main card of the youth card is 50 yuan, and the annual fee for the auxiliary card is 20 yuan.

5. Other Puka products are free of annual fees.

Gold card:

1. Self-mailing family co-branded card: main card 100 yuan/year, auxiliary card: 50 yuan/year.

2.2. Zhongyuan Food Card co-branded card 200 yuan/year, subsidiary card 60 yuan/year.

3.3. Master Card of Traffic Co-branded Card 125 yuan/year.

4.4. Grade C Gold Leaf Card 280 yuan/year.

5. Jinyeka Grade B 500 yuan/year.

6. Jinyeka Grade A 800 yuan/year.

7. Annual fee for other gold card products: main card 125 yuan/year, and auxiliary card 60 yuan/year.

Two. Postal savings bank credit card annual fee free policy;

1. The joint transportation card is free of annual fee in the first year, and the annual fee is free in the second year after spending 6 times.

2. Charity cards and youth cards are free of annual fees in the first year, and the annual fees are free in the following year after spending 6 times.

Gold card: 1. Self-mailing family co-branded cards are exempt from annual fees in the first year, and are exempt from annual fees in the following year after spending 6 times;

2. Zhongyuan Food Card Co-branded Card is free of annual fee in the first year, and the annual fee in the following year is free after spending 10 times;

3.=3. The joint transportation card is free of annual fee in the first year, and the annual fee is free in the following year after spending 6 times;

4.=4. All-currency cards are free of annual fees in the first year, and the annual fees in the following year are free after spending 12 times;

5. = 5. The annual fee for the following year will be reduced if the gold leaf card is collected in the first year of Class C, the installment amount of a single transaction or bill is 5,000 or more, and the number of installment transactions is 4 or more;

6. If the gold leaf card is collected in the first year of Class B, and the amount of single transaction installment or bill installment is 5,000 or more and the number of transactions is 7 or more, the annual fee for the following year will be reduced or exempted;

7. If the gold leaf card is collected in the first year of Class A, the annual fee for the following year will be reduced or exempted if the installment amount of a single transaction or bill is 654.38+0 million or more and the number of transactions is 5 or more;

8. Other gold card products are free of annual fee in the first year, and the annual fee is free in the following year after spending 6 times.

Is there an annual fee for postal credit cards? Is there an annual fee for postal credit cards? Now the introduction is over. I wonder if you have found the information you need?