CITIC Bank Service Price Lists (2022)Credit card
Check more>>Chapter I Free Service Items
| Item No. | Service Items | Service Price | Targeted Customers | Remarks | ||
| MF050 | Credit card business | CITIC Bank credit card repayment | Free of charge | All customers | 1.Automatic transfer repayment of CITIC Bank debit card 2.CITIC Bank personal online banking repayment 3.CITIC Bank ATM transfer repayment 4.CITIC Bank CDM transfer repayment 5.CITIC Bank counter-based repayment 6.CITIC Bank self-service terminal repayment 7.95558 telephone banking repayment or automatic foreign currency purchasing |
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Chapter II Price List of Paid Services
| Item No. | Service Items | Service Functions | Service Price | Targeted Customers | Promotion |
| GN018 | SMS alert | Provide SMS alert service for customers. According to F.G.J.G.[2014]No.268 Document, the commercial bank should sign an agreement about account activity SMS alert service with the customer before charging SMS alert service fee; no fee is allowed if no such agreement is signed with the customer |
1. Personal SMS alert service: RMB3 per month; 2. Corporate SMS alert service: RMB30 per month; 3. International business SMS alert service: RMB30 per month or RMB0.1 per message |
All customers | 1. Debit card customers: SMS service threshold is RMB300, no fee for gold card or above; The customer following CITIC Bank in WeChat can enjoy WeChat alert on consumption with no threshold amount required; 2. Credit card customers: no fee. Provide 24-hour mobile phone SMS service from the application for credit card to its application, including credit card approval notice, transaction notice (RMB500 or more for domestic transaction), credit notice, statement notice, account reminder, materials change notice, product and service information, etc.; The customer following CITIC Bank in WeChat can enjoy WeChat alert on consumption with no threshold amount required |
| TH006 | Asset management and asset securitization | Provide asset management and asset securitization services, including part or all of following items: (1) providing asset management advisory services, including but not limited to trading structure design of asset management products, asset management financing advisory service, screening of investment targets and risk analysis, trading structure design of various asset securitization products, daily follow-up management and constant risk monitoring; (2) collecting principal, interest and penalty interest due to the debtor under the assets on behalf of the customer as entrusted by the customer; if the asset financier is a CITIC Bank customer, constantly tracking the business operation and asset operation of the financier; (3) providing services like asset supervision and other services relevant to the asset management and trading | 0.10% - 3.00% of service amount; or agreed price | Corporate customers | Small and micro enterprises are exempted. Division of small and micro enterprises shall conform to the Notice on Printing and Issuing the Regulations for the Division of Medium and Small Enterprises (G.X.B.L.Q.Y. [2011] No. 300) |
| LC001 | Wealth management business | Provide wealth management product sales, investment management and custody services to customers | Agreed price. Please refer to wealth management product prospectus for specific charging standard | All customers | |
| WD011 | Agency fund service | Provide sales of fund products and relevant services | 1.Subscription fee, purchase fee, redemption fee: 0 - 5% of subscription/ purchase/ redemption amount of fund product, charged in a lump sum; 2. Sales service fee, rake-off: 0 - 1% of holding amount of fund product, accrued daily |
Corporate customers | |
| WD012 | Agency insurance | Provide sales of insurance products and relevant services | Agreed price | Corporate customers | |
| WD013 | Agency trust and asset management plan business | Provide referral service of trust products and various asset management plans to customers, recommend investors of trust plans and various asset management plans, provide a full package of financial services including suggestions and consultation on the product sales | 0 - 5% of agency trust product amount and various asset management plans (annualized); or charged as per agreement | Corporate customers | |
| WD014 | Agency wealth management | Provide sales of agency wealth management products and relevant services | 1. Subscription fee, purchase fee, redemption fee: 0.05 - 3% of subscription/ purchase/ redemption amount of agency wealth management product, charged in a lump sum; 2. Sales service fee: 0.05 - 2% of holding amount of agency wealth management product, accrued daily; 3. Rake-off: 0-3% of the agency wealth management products sold |
Corporate customers | |
| WD017 | Agency sales of physical precious metal products | Provide agency sales of physical precious metal products and relevant services | Agreed price | Corporate customers | |
| WD023 | Comprehensive platform services(Valid before March 14, 2022) | The Bank makes use of its advantages in brand, channel and information to provide customers with comprehensive platform services, facilitate various transactions between customers, and meet the diversified needs of mutual benefit and win-win cooperation among multiple parties; Note: If credit enhancement of the credit business is involved, it is not allowed to collect business cooperation fees from the cooperative institution in the name of recommending customers to the professional service institution, which will lead to an increase in corporate financing costs |
Agreed price | All customers | |
| WD023 | Comprehensive platform services(Valid since March 14, 2022) | The Bank makes use of its advantages in brand, channel, technology and information to provide customers with comprehensive platform, system building, platform matchmaking and operation & maintenance services, facilitate various transactions between customers, and meet the diversified needs of mutual benefit and win-win cooperation among multiple parties; Note: If credit enhancement of the credit business is involved, it is not allowed to collect business cooperation fees from the cooperative institution in the name of recommending customers to the professional service institution, which will lead to an increase in corporate financing costs |
Agreed price | All customers | |
| WD024 | Inter-bank agency services | To act as an agent for relevant financial services under the entrustment of a financial institution, including but not limited to the following: 1. To accept the entrustment of a financial institution and provide the following services: Payment and settlement services such as issuing bills of exchange or promissory notes, remittances, collection and funds liquidation; trade financing services such as issuing letters of credit and guarantees; other procuration services such as foreign exchange clearing and cross-border RMB receipt and payment, electronic commercial draft agency access and other services; 2. To accept the entrustment of a financial institution and provide agency credit card operation (including but not limited to business consulting and training services, information technology services, business planning and operation, and other packages of comprehensive financial services covering the full-life cycle of agency credit card operation), consulting services (credit card-related management consulting, technical consulting, business skills, comprehensive quality training and consulting, involving the credit card full-life business chain and the matching organizational capacity building, business process improvement, personnel skills enhancement, etc.) and other system technical support services, relying on the Bank's business capabilities, business processing systems as well as technical and management advantages; 3. To accept the entrustment of a financial institution and provide solutions to the design of product structure, selection of trust company and asset management company as well as fund source for the asset products to be established, or provide agent investment planning and a package of integrated financial services for the institution |
Agreed price | Corporate customers | Small and micro enterprises are exempted. Division of small and micro enterprises shall conform to the Notice on Printing and Issuing the Regulations for the Division of Medium and Small Enterprises (G.X.B.L.Q.Y. [2011] No. 300) |
| BC008 | Annual fee (Valid before March 14, 2022) | Enjoy basic functions and value-added services based on the customer's credit rating and credit card products | 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 |
All customers | 1. 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. Free of annual fee for the third year if the annual fees of the first two years are paid in the lump sum; 3. Special value added service are available if the annual fees for two or three years are paid in the lump sum; 4. Free of annual fee for UnionPay corporate credit card; Notes: The preferential policies in 1, 2, 3 and 4 are not available at the same time |
| 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. 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. Free of annual fee for gold card for the moment; 3. The annual fee for the third year is exempted if the annual fee for the first two year is paid in the lump sum; 4. Special value added service are available if the annual fees for the first two or three years are paid in the lump sum; 5. Free of annual fee for UnionPay corporate credit card； Notes: The preferential policies in 1, 3, 4 and 5 are not available at the same time |
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| 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 |
1. No annual fee for CITIC Bank Visa Signature Credit Card during validity; 2. 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. No annual fee for JCB Standard Platinum Card during validity; 4. CA World Card is only issued to customers with CA Gold Card, no annual fee; 5. No annual fee for the first three additional cards of Infinite Card for the first year; 6. Free of annual fee for the third year if the annual fees of the first two years are paid one -off; 7. Special value added service are available if the annual fees for two or three years are paid one-off; 8. New customers will be exempted of annual fee for the first or the first two years if they buy particular value-added products; 9. No annual fee for Titanium Mastercard during validity; 10. No annual fee for Magic Love Platinum Credit Card during validity; 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); 12. The annual fee amount corresponding to the coupon face value can be exempted for certain customers using coupon to pay the first annual fee during the validity period; 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 |
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| BC008 | Annual fee (Valid since March 14, 2022) | Enjoy basic functions and value-added services based on the customer's credit rating and credit card products | 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 |
All customers | 1. 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. Free of annual fee for the third year if the annual fees of the first two years are paid in the lump sum; 3. Special value added service are available if the annual fees for two or three years are paid in the lump sum; 4. Free of annual fee for UnionPay corporate credit card; Notes: The preferential policies in 1, 2, 3 and 4 are not available at the same time |
| 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. 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. Free of annual fee for gold card for the moment; 3. The annual fee for the third year is exempted if the annual fee for the first two year is paid in the lump sum; 4. Special value added service are available if the annual fees for the first two or three years are paid in the lump sum; 5. Free of annual fee for UnionPay corporate credit card; Notes: The preferential policies in 1, 3, 4 and 5 are not available at the same time |
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| 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 |
1. No annual fee for CITIC Bank Visa Signature Credit Card during validity; 2. 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. No annual fee for JCB Standard Platinum Card during validity; 4. CA World Card is only issued to customers with CA Gold Card, no annual fee; 5. Free of annual fee for the third year if the annual fees of the first two years are paid one -off; 6. Special value added service are available if the annual fees for two or three years are paid one-off; 7. New customers will be exempted of annual fee for the first or the first two years if they buy particular value-added products; 8. No annual fee for Titanium MasterCard during validity; 9. No annual fee for Magic Love Platinum Credit Card during validity; 10. 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); 11. The annual fee amount corresponding to the coupon face value can be exempted for certain customers using coupon to pay the first annual fee during the validity period; Notes: The preferential policies in 2, 5, 6 and 7 are not available at the same time, and the preferential policies in 5, 6 and 10 are not available at the same time |
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| BC009 | Card production fee | 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. General credit cards with special techniques: RMB9-3999 per card; 2. 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 |
All customers | 1. Unless for DIY cards or cards made special technology, card production fee will not be charged; 2. CA World Card, Infinite Card, Diamond Card: No express delivery fee for card replacement; 3. 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; 4. Free of card production fee for UnionPay corporate credit card |
| BC010 | Loss reporting fee | Handle loss reporting in a timely manner and provide protection when the card is lost | RMB40 per card (no cost for card replacement), plus delivery fee (if express delivery is required) | All customers | 1.No loss reporting fee for credit cards owned by auto/property insurance customers, maximum five times a year; 2. No loss reporting fee for UnionPay corporate credit card |
| BC011 | Default fee | 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 | 5% on unpaid balance in minimum repayment for each month, minimum RMB20, USD2, HKD20 or EUR2; charged by each account monthly | All customers | |
| BC012 | Cash withdrawal fee of credit card | Cash advance | 1.South Fund Card: 1% of cash advance amount, minimum RMB9 or USD1; 2.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.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 |
All customers | 1.Foreign Student Card: one free cash withdrawal for each billing month; 2. No cash withdrawal fee for UnionPay corporate credit card |
| BC013 | Foreign exchange fee of credit card | Overseas transactions | 1.5% of each transaction amount | All customers | 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 | Receipt retrieval fee | Consumption receipt inquiry, etc. | RMB20 per transaction | All customers | |
| BC015 | Emergency card replacement fee | Overseas card replacement when the card is lost | Subject to regulations of international credit card organizations | All customers | |
| BC016 | Handling fee for issuing certificates | Issue certificates about credit card | RMB20 per certificate | All customers | |
| BC017 | Fee for claiming overpayment | Overpayment transfer | 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 | All customers | 1. No fee for transferring overpayment to CITIC Bank debit card (account); 2. No fee for transferring overpayment to non-CITIC Bank debit card (account) through the Internet banking channel; 3. No fee for claiming overpayment for UnionPay corporate credit card |
| BC018 | Charges for issuing statement of account | Reprint bank statement | 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 | All customers | |
| BC019 | Express delivery fee | Express delivery fee | RMB20 per time. Charged based on the charging standard of express company for next morning delivery or air express | All customers | |
| BC020 | PP Card fee (Valid before March 14, 2022) | Charge fees from companion in VIP boarding overseas | 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 | All customers | 1. Customers holding Unlimited card or UnionPay Diamond card can enjoy unlimited free services within the annual fee cycle; 2. 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 |
| BC020 | PP Card fee (Valid since March 14, 2022) | Charge fees from companion in VIP boarding overseas | 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 | All customers | 1. Customers holding Infinite card can enjoy unlimited free services within the annual fee cycle; 2. Personal customers holding Platinum Card can enjoy 16 free services within 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 | Credit Card SMS Alert | 1.48-hour protection before loss report (only applicable for SMS Alert A) 2. SMS alert for transactions with no threshold amount required 3. 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. SMS Alert A: RMB12 per quarter, RMB48 per year 2. SMS Alert B: RMB9 per quarter, RMB36 per year |
All customers | The customer can also follow CITIC Bank in WeChat to enjoy WeChat alert on consumption with no threshold amount required |
| BC022 | Installment payment | Provide installment payment service for card holders. | I. For installment business 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% (simple interest); 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 calculated at simple interest and 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; II. If the cardholder cannot repay the installment as agreed, they should apply for early termination of the installment with the Bank. The handling fees collected shall not be refunded, and 0-3% of the unrecorded principal shall be collected as penalty for early termination of the installment; III. Transfer fee: RMB10 per transaction |
All customers | No handling fee for mail order by installment. |
| BC023 | Value-added services of credit card | 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. 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. 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 |
All customers | |
| BC024 | Acquiring | Support online and offline acquiring business | Charge at agreed price | All customers | Bank card swiping business: From September 30, 2021 to September 29, 2024, a 10% discount is granted to standard merchant debit cards, with the ceiling remaining unchanged, and the 22% discount to concessionary merchants shall remain |
| BC025 | Cash advance with foreign cards | Provide cash advance with foreign cards | Subject to regulations of international card organizations | Personal customers |
Note:
Annual fee of credit card is collected in advance every year.