信用卡
Credit Card

(一)信用卡业务
i.Credit Card Business

项目编号
Item No.
服务项目
Service Items
服务内容
Service Functions
服务价格
Service Price
适用对象
Targeted
Customers
优惠政策
Promotion
BC008 年费
Annual fee
按信用卡的信用级别及产品类别享有相应的信用卡基本功能及增值服务
Enjoy  basic  functions  and  value-added   services
based  on  the  customer's  credit  rating  and credit
card products
一、普卡:
主卡100-180元,附属卡50-100元。详见信用卡申请表或官网
I. Classic Card:
Classic card: RMB100-180, supplementary
card: RMB50-100. To get more information,
refer to the credit card application form or the
official website
全部客户
All customers
1.普卡发卡后30天内,刷卡消费或取现1次(不限金额)免首年年费;首年再刷卡消费或取
现5次(不限金额)免次年年费;次年刷卡消费或取现5次(不限金额)免第三年年费;
Free of annual fee after once spending with card or cash withdrawal (no limit on the amount) within 30 days after issuance of classic card; free of annual fee for the second year after spending with card or cash withdrawal (no limit on the amount) for 5 more times in the first year; free of annual fee for the third year after spending with card or cash withdrawal (no limit on the amount) for 5 times in the second year
2.一次性缴纳2年年费,可免第3年年费;
Free of annual fee for the third year if the annual fees of the first two years are paid one -off;
3.一次性缴纳2年或3年年费,可享受特定增值服务;
Special value added service are available if the annual fees for two or three years are paid one-off;
注:以上1、2、3项优惠政策不可同享
Notes: The preferential policies in 1, 2 and 3 are not available at the same time
二、金卡:
主卡200-380元,附属卡100-200元。详见信用卡申请表或官网
II. Gold Card:
Classic card: RMB200-380, supplementary
card: RMB100-200. To get more information,
refer to the credit card application form or the
official website
1.金卡发卡后30天内,刷卡消费或取现1次(不限金额)免首年年费;首年再刷卡消费或取
现5次(不限金额)免次年年费;次年刷卡消费或取现5次(不限金额)免第三年年费;
Free of annual fee after once spending with card or cash withdrawal (no limit on the amount) within 30 days after issuance of gold card; free of annual fee for the second year after spending with card or cash withdrawal (no limit on the amount) for 5 more times in the first year; free of annual fee for the third year after spending with card or cash withdrawal for 5 times in the second year;
2.信金卡暂免年费;
Free of annual fee for gold card for the moment;
3.一次性缴纳2年年费,可免第3年年费;
The annual fee for the third year is exempted if the annual fee for the second year is paid one-off;
4.一次性缴纳2年或3年年费,可享受特定增值服务;
Special value added service are available if the annual fees for two or three years are paid one-off;
注:以上1、3、4项优惠政策不可同享
Notes: The preferential policies in 1, 3 and 4 are not available at the same time
年费
Annual fee
按信用卡的信用级别及产品类别享有相应的信用卡基本功能及增值服务
Enjoy basic functions and value-added services based on the customer's credit rating and credit card products
三、白金及以上卡片:
主卡480-20000元,附属卡240-10000元。详见信用卡申请表或官网
III. Platinum Card and Above:
Classic card: RMB480-20,000, supplementary card: RMB240-10,000. To get more information, refer to the credit card application form or the official website
全部客户
All customers
1.中信Visa Signature信用卡卡片有效期内免年费;
No annual fee for CITIC Bank Visa Signature Credit Card during validity;
2.I白金:免首年年费,刷12笔免次年年费;
I Platinum Card: No annual fee for the first year, no annual fee for the second year after spending with card for 12 times;
3.JCB标准白金卡卡片有效期内免年费;
No annual fee for JCB Standard Platinum Card during validity;
4.国航世界卡只针对已持国航金卡客户发行,且免收年费;
CA World Card is only issued to customers with CA Gold Card, no annual fee;
5.无限卡前三张附属卡免首年年费;
No annual fee for the first three addtional cards of Infinite Card for the first year;
6.一次性缴纳2年年费,可免第3年年费;
Free of annual fee for the third year if the annual fees of the first two years are paid one -off;
7.一次性缴纳2年或3年年费,可享受特定增值服务;
Special value added service are available if the annual fees for two or three years are paid one-off;
8.新发卡客户购买特定增值产品可免首年或首两年年费;
New customers will be exempted of annual fee for the first or the first two years if they buy particular value- added products;
9.万事达钛金卡卡片有效期内免年费;
No annual fee for Titanium Mastercard during validity;
10.魔力爱白金信用卡卡片有效期内免年费
No annual fee for Magic Love Platinum Credit Card during validity;
可按月度、季度、半年度分期缴纳或按年度一次性缴纳(政策性免年费卡片除外);
11. It can be paid in monthly, quarterly or semi-annual installments or in a lump sum annually (except for policy- based annual fee-free cards);
注:以上2、6、7、8项优惠政策不可同享,6、7、11项优惠政策不可同享
Notes: The preferential policies in 2, 6, 7 and 8 are not available at the same time, and the preferential policies in
6, 7 and 11 are not available at the same time
BC009 制卡费
Card production fee
为客户办理信用卡新发、换卡业务;并将围绕特殊工艺、材质、设计等整合自身服务与外部资源,开发具有特殊工艺的卡片产品,满足客户多样化需求
Issue of new or replace card for customers; development of cards with special techniques based on special techniques, materials and designs to integrate internal and external resources to meet the diversified needs of customers
1.一般特殊工艺信用卡产品:9-3999元/张;
General credit cards with special techniques: RMB9-3999 per card; 2.其他高端特殊工艺信用卡产品:根据
协议约定收取。
具体收费标准根据不同产品特殊工艺差别分档定价,如需快递,加收快递费
Other high-end credit cards with special techniques: Charge based on agreements. Specific charging standards depend on the level of special techniques used for products; express delivery fee will be charged if express delivery is required
全部客户
All customers
1.除DIY卡、含特殊工艺等信用卡外,其他卡片免新发卡制卡费;
Unless for DIY cards or cards made special technology, card production fee will not be charged;
2.国航世界卡、无限卡、钻石卡、换卡免快递费;
CA World Card, Infinite Card, Diamond Card: No express delivery fee for card replacement;
3.一般特殊工艺卡换卡不再额外收取换卡工本费,如需快递,加收快递费
For renewal of general cards made with special technology, no cost will be charged; express delivery fee will   be charged if express delivery is required
BC010 挂失手续费
Loss reporting fee
卡片丢失及时挂失,提供失卡保障
Handle loss reporting in a timely manner and provide protection when the card is lost
40 元/ 卡(免收换卡工本费), 如需快递,加收快递费
RMB40 per card (no cost for card  replacement),
plus delivery fee (if express delivery is required)
全部客户
All customers
驾乘宝/盗无忧会员客户,免收本人名下中信信用卡挂失手续费,一年最多5次
No loss reporting fee for credit cards owned by auto/property insurance customers, maximum five times a year.
BC011 违约金
Default fee
持卡人未还最低还款额时,除按计息方法支付透支利息外,对最低还款额未还部分,还应按月支付一定比例的违约金
The card holder has to pay the default fee for unpaid balance in minimum repayment in addition to overdraft interest based on the interest accrual method each month, if he fails to pay the minimum
repayment amount
每期最低还款额未还部分的5%,最低收费为20元人民币或2美元或20港币或2 欧元;按账户每月收取
5% on unpaid balance in minimum repayment for each month, minimum RMB20, USD2, HKD20 or EUR2; charged by each account monthly
全部客户
All customers
BC012 信用卡现金提取手续费
Cash withdrawal fee of credit card
信用卡提取现金
Cash advance
1.南方基金卡:按取现金额的1%收取,
最低收费为9元或1美元;
South Fund Card: 1% of cash advance amount, minimum RMB9 or USD1;
2.蓝卡:在中信银行取现每账单月累计
金额50万(含)以内免收手续费,超过
50万部分按照3%收取手续费;在他行
取现每账单月前2笔免收手续费,超过部分按照2元/笔收取手续费;
Blue Card: No fee for accumulative cash advance of no more than RMB500,000 in CITIC Bank per month, 3% on the amount of advance exceeding RMB500,000; no fee for the first two cash advance transactions in other banks per month, RMB2 per transaction for more than 2 transactions
3.其他:境内按取现金额的2%收取,最
低收费为20元人民币;境外(含港、澳、台地区)按取现金额的3%收取, 最低收费为20元人民币或3美元或30港币或3欧元
Other cards: 2% of cash amount for domestic cash advance, minimum RMB20; 3% of overseas (including Hong Kong SAR, Macau SAR and Taiwan region) cash advance,  minimum RMB20, USD3, HKD30 or EUR3
全部客户
All customers
出国留学生卡:每账单月免1次取现手续费优惠
Foreign Student Card: one free cash withdrawal for each billing month
BC013 信用卡外汇兑换手续费
F o r e i g n exchange fee
of credit card
境外交易
Overseas transactions
按每笔交易金额的1.5%收取
1.5% of each transaction amount
全部客户
All customers
Visa单币外币卡、万事达单币外币卡、运通单币外币卡、JCB单币外币卡免收外汇兑换手续

No foreign exchange fee for Visa single-currency and foreign-currency cards, MasterCard single-currency and foreign-currency cards, American express single-currency and foreign-currency cards, and JCB single-currency
and foreign-currency cards
BC014 调单费
Receipt
retrieval fee
查询消费凭证等
Consumption receipt inquiry, etc.
20元/笔
RMB20 per transaction
全部客户
All customers
BC015 境外紧急补发卡手续费
Emergency card
replacement fee
境外卡片丢失补卡
Overseas card replacement when the card is lost
按国际信用卡组织规定收费
Subject to regulations of international credit card organizations
全部客户
All customers
BC016 开具证明手续费
Handling fee f o r issuing 
certificates
开具相关信用卡业务证明
Issue certificates about credit card
20元/份
RMB20 per certificate
全部客户
All customers
BC017 溢缴款领回手续费 (溢缴费)
Fee for claiming overpayment
溢缴款转账支出
Overpayment transfer
转账金额(折合人民币) 1 万元以下
(含),每笔收费人民币5.5元;转账金额(折合人民币)1-10万元(含),每笔收费人民币10.5元;转账金额(折合人民币)10万元以上,每笔收费人民币
15.5元
For transfer amount (in RMB) of less than RMB10,000 (inclusive), charge is RMB 5.5 per transaction; for transfer amount (equivalent to RMB) of RMB10,000-100,000 (inclusive), charge is RMB10.5 per transaction; for transfer amount (equivalent to RMB) of more than RMB 100,000,
charge is RMB15.5 per transaction
全部客户
All customers
1.溢缴款转本行借记卡(账户):免手续费;
No fee for transferring overpayment to CITIC Bank debit card (account);
2. 溢缴款转他行借记卡(账户):网上银行渠道免手续费
No fee for transferring overpayment to non-CITIC Bank debit card (account) through the Internet banking channel
BC018 补制对账单手续费
Charges for issuing st at ement of account
补制对账单
Reprint bank statement
补制12个月(含)以内纸质账单每年免费一次;补制12个月内的纸质对账单超过一次或补制的对账单账期超过最近12个月, 人民币5元/份
No fee for reprinting paper bank statement within 12 months (inclusive) once a year; RMB5 per copy for reprinting paper bank statement within 12 months more than once or reprinting bank statement beyond recent
12 months
全部客户
All customers
BC019 快递费
Express delivery fee
快递费
Express delivery fee
20元/次,如选择次晨达、航空快递等特殊
的寄卡方式,费用按快递公司标准收取
RMB20 per time. Charged based on the charging standard of express company for next morning delivery or
air express
全部客户
All customers
BC020 PP卡收费PP Card fee 境外贵宾登机同行人员收费
Charge fees from companion in VIP boarding overseas
27美元/人,按当时汇率折算为人民币收
取;客户在享受贵宾登机服务时,机场会提示需收费并办理登记
27 US dollars per person, converted to RMB at the current exchange rate; the airport will prompt the charge and handle the check-in for VIP boarding
全部客户
All customers
1.无限卡、银联钻石卡客户,年费周期内可享受无限次免费服务;
Customers holding Unlimited card or UnionPay Diamond card can enjoy unlimited free services within the  annual fee cycle;
2.私人银行白金卡客户,年费周期内可享受16次免费服务,同行贵宾服务次数经主卡持卡人
同意合并计入主卡的16次权益中;超过16次免费服务将正常收费
Personal customers holding Platinum Card can enjoy 16 free services in the annual fee cycle, and services provided the companions of card holder will be numbered in the 16 free services for the main card holder, with the consent of the latter; services will be charged normally beyond 16 services
BC021 信用卡短信宝
Credit Card SMS Alert
1.挂失前48小时失卡保障(仅适用短信宝A) 1.48-hour protection before loss report (only applicable for SMS Alert A)
2.0起点交易短信提醒
SMS alert for transactions with no threshold amount required
3.根据发改价格[2014]268号规定,商业银行为
银行客户提供账户变动短信提醒服务并收费的,应事先通过网点或电子渠道等与银行客户签约;未与银行客户签约的,不得收费
According to F.G.J.G. [2014] No. 268 Document, the commercial bank should sign an agreement about SMS alert service about account activities with the customer before charging SMS alert service fee; no fee is allowed if no such agreement is signed with the customer
1.短信宝A:12元/季度,48元/年
SMS Alert A: RMB12 per quarter, RMB48 per year
2.短信宝B:9元/季度,36元/年
SMS Alert B: RMB9 per quarter, RMB36 per year
全部客户
All customers
如不开通短信宝服务,可以选择绑定官方微信享受免费0元起点微信消费提醒服务
The customer can also follow CITIC Bank in WeChat to enjoy WeChat alert on consumption with no threshold amount required

备注:
Note:
信用卡年费按卡每年预先收取
Annual fee of credit card is collected in advance every year.
(二)信用卡分期业务
ii.Credit Card Installment

项目编号
Item No.
服务项目
Service Items
服务内容
Service Functions
服务价格
Service Price
适用对象
Targeted Customers
优惠政策
Promotion
BC022 分期业务
Installment payment
为持卡人提供分期还款服务,包括但不限于账单/账单自动/单笔分期、现金分期、圆梦金、商户分期等
Provide installment payment service for card holders, including but not  limited to bill/automatic/single bill installment, cash installment, Yuan Meng Jin, merchant installment
一、办理分期业务时(包括账单/账单自动/单笔分期、现金分期、圆梦金、商户分期等),按业务类别分为1期、2期、3期、6 期、9期、12期、18期、24期、36期、48期及60期等,不同产品不同期数的手续费标准不同,每期手续费率范围为0%-1.5%,折算年化利率范围为0-18%。
For installment business (including bill/automatic/single bill installment, cash installment, Yuan Meng Jin, merchant installment, etc.) which is divided into 1 installment, 2 installments, 3 installments, 6 installments, 9 installments, 12 installments, 18 installments, 24 installments, 36 installments, 48 installments, 60 installments etc. by business types, products with different installments have different handling fee standards and the range of handling fees for each installment  is 0%-1.5%, with an annualized range of 0-18%.
注:1.持卡人实际办理手续费率,依据我行对持卡人办理业务时的资信评估等情况而定;2.手续费分期收取;3.根据不同情况,手续费由商户或客户承担;4.手续费率与商户及客户有特殊约定的除外;5.折算年化利率值仅供参考,实际年化利率可能因交易时间、还款时间等不同与参考值存在差异,未依约还款不适用上述年化利率。
Notes: 1. The actual handling fee rate depends on the credit standing assessment conducted by the Bank during processing of the cardholder's business; 2. For fees paid in installments; 3. handling fees are borne by the merchant or customer based on different situations; 4. the handling fee rates to be further negotiated with the merchants or customers are excluded; 5. The converted annualized interest rate is for reference only. The actual annualized interest rate may differ from the reference value due to differences in transaction time, repayment time, etc. The above-mentioned annualized interest rate is not applicable if repayment is   not made as agreed.
二、持卡人不能按照约定偿还分期业务,需向我行申请提前终止分期还款,收费标准如下:
If the cardholder cannot repay the installment as agreed, they should apply for early termination of the installment with the Bank, and the charges are as follows:
(一)账单//账单自动/单笔分期:已收取的手续费不予退还,同时加收剩余未还本金的0-3%;
Bill/ automatic/single bill installment: The fee paid will not be refunded and 0-3% of the remaining unpaid principal will be charged.
(二)现金分期:已收取的手续费不予退还,同时加收剩余未还本金的0-3%;
Cash installment: The fee paid will not be refunded and 0-3% of the remaining unpaid principal will be charged.
(三)圆梦金:已收取的手续费不予退还,同时加收剩余未还本金的0-3%;
Yuan Meng Jin: The fee paid will not be refunded and 0-3% of the remaining unpaid principal will be charged.
(四)商户分期:1.已收取的手续费不予退还;2.因退货而终止分期业务:退还手续费(仅限于全额退款),部分退款时不退还手续费。
Merchant installment: 1. The fee paid will not be refunded; 2. Termination of installment due to return: fee will be returned (only for refund in full), the fee will not be returned in case of partial refund.
三、转账手续费:10元/笔
III. Transfer fee: RMB10 per transaction
全部客户
All customers
邮购分期不向客户收取手续费。如果持卡人因自身原因造成邮购商户二次发货或客户拒收,将代扣相应运费以补偿邮购商户实际发生的送货费用,具体费用标准为
100元/单
No handling fee for mail order by installment. If the merchant has to deliver goods for the second time or the customer refuses to take goods due to personal reasons of the card holder, shipping fee is charged to compensate the merchant at RMB100 per order

(三)信用卡增值服务
iii.Value-added Services of Credit Card

项目编号
Item No.
服务项目
Service Items
服务内容
Service Functions
服务价格
Service Price
适用对象
Targeted Customers
优惠政策
Promotion
BC023 信用卡增值服务
Value-added services of credit card
为客户提供信用卡增值服务,主要包括我行信用卡权益服务(包括但不限于0起点短信提醒服务等)、外部资源权益服务(包括但不限于健康类、时尚类、商旅类服务等)、信用卡卡号自定义增值服务(包括但不限于普通号、靓号、VIP号、SVIP号等),并根据市场变化不断迭代
Provide value-added services of credit card for customers, mainly including services in relation to rights and interests of CITIC Bank credit cards (including but not limited to SMS alert for transactions with any amount), external resource benefit services (including but not limited to health, fashion and travel services) and self- defined value-added services of credit card number (including but not limited to ordinary  number,  lucky number, VIP number and SVIP number), which are updated based on market changes
1.优选增值服务:1-19999元/份,每项具体产品的收费标
准根据增值服务内容的不同分档定价
Select value-added services: RMB1-19,999 for each one. Charging standard on each product is specific to the content of value-added service
2.卡号自定义增值服务:99元-29999元/个,每个自定义卡
号的收费标准根据增值服务内容的不同分档定价
Self-defined value-added services: RMB99-29,999 for each one. Charging standard on each self-defined card number is specific to the content of value-added service
全部客户
All customers