Charge Items |
Charging standard |
details |
AnnualFee |
classic card |
Master |
£¤100 |
Advance charge annually |
Affiliated |
£¤50 |
Gold card |
Master |
£¤300 |
Affiliated |
£¤150 |
Service charge of advance cash withdrawal |
RMB: free charge in our bank;1% of the withdrawn amount and no less than £¤1 in other banks;
Foreign Currency: 3% of the withdrawn amount and no less than ¡ç3
|
Fees are charged when the cardholder withdraws cash in credit card at bank counters or at ATMs.
|
Overrun fee |
5% of the overrun amount beyond the credit limit and no less than £¤10 |
Fees are charged when the cardholder overruns beyond credit limit. The overrun part shall all be counted into the minimum repayment of that period. |
Overdraft interest rate (per day) |
0.5¡ë |
The cardholder will not be granted interest-free repayment treatment under the conditions of overrun, overdue, or partly repaying, and the overdraft interest rate is 0.5¡ë. |
Late fee |
5% of the unpaid part of the minimum repayment mount, and no less than £¤10 or ¡ç1£¨the currency accords with the minimum repayment£© |
Late fees are charged when the cardholder does not manage to pay the minimum repayment amount before repayment due date of each month or delays to repay |
Charge of currency exchange |
VISA card: 1.5%of the transaction amount;
MasterCard card: 1%of the transaction amount
|
Charges are collected by international card organizations marked on the VISA card or MasterCard card. |
Service charge of card replacement |
£¤20 each card |
Fees are charged when the cardholder applies for replacing damaged credit card. You can call our bank's credit card customer service hotline to ask for issuing a new card. |
Service charge of loss-reporting |
£¤80 each card |
Free for loss-reporting and complementing a new card |
Service charge of remaking Statement of Account |
Personal card:£¤10 per sheet (free charge within the first three months as of the date of inquiry) |
Fees are charged when the cardholder claim for Statement of Account. One-month transaction details will be listed on each sheet. |
Service charge of bill reviewing |
Home:£¤50/bill
Abroad:¡ç25/bill
|
When the cardholder applies for reviewing bills, fees are charged when the transactions are confirmed to be conducted by the master cardholder or its affiliated cardholder. |
Service charge of remaking password envelop |
£¤15 |
Fees are charged then the cardholder forgets the password and applies for remaking password envelop. |
Service charge of claiming return of overpaid money |
Counter transaction: free charge in our bank;£¤20 or ¡ç3 each transaction in other banks;
ATM transaction:
RMB:free charge in our bank; 1% of the? claimed return amount and no less than £¤1 in other banks£»
Foreign currency:3% of the claimed return amount and no less than ¡ç3
|
Fees are charged when the cardholder applies for claiming return of overpaid money. |
| Charge of short message informing of transaction |
£¤3/month/person |
|
Service charge of accelerated card issuing |
£¤160/card |
|
| Service charge of express delivery of card or password envelop |
£¤25each envelop |
Fees are charged when the cardholder applies for express delivery of card or password envelop. |
| Service charge of overseas emergency service |
Advance cash withdrawal |
¡ç175 each transaction |
Fees are charged according to the charging standard of the international card organizations, when the cardholder applies to the international card organizations for emergent cash withdrawal or complementing alternative card after losing credit card.
|
| Emergency card complementing |
¡ç175 each transaction |
Notes:
1. Wherever fees charged in US dollar are mentioned above, they are charged in other currencies of the equivalent value when the credit cardholder makes foreign exchange account settlement in other currencies.
2. Fund transfer in credit card is deemed as advance cash withdrawal. |