Which bank doesn t charge an annual fee Which bank cards don t have an annual fee

China Merchants Bank, Shenzhen Development Bank.

Savings card: At present, medium-sized comprehensive commercial banks such as Minsheng Bank, Industrial Bank, China Everbright Bank, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, and China CITIC Bank have no annual fees.

Credit card: Normally, there is an annual fee, but there are generally preferential policies, such as the number of consumptions, the amount of consumption, etc., to reduce the annual fee for these activities.

For example, most of IB's credit cards, gold cards and ordinary cards, as long as they make 5 purchases (including card swiping, cash withdrawal, online payment and quick payment, etc.) within one year after the card is successfully verified, the annual fee for the next year will be waived (except for special cards). The specific charging standard and activities depend on the specific card issuer.

Extended information: Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to the public.

Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system makes this"No checks, no cash"The dream became a reality.

From August 1, 2017, the annual bank card fee management fee will be abolished, and some basic financial service fees of commercial banks will be suspended.

On April 22, 2019, China UnionPay released the Report on the Development of China's Bank Card Industry (2019).

On August 15, 2020, the company, Bacera Bank and China UnionPay jointly launched the first digital bank card in China - QuickPass Card.

On August 31, China UnionPay released its first digital bank card"UnionPay Borderless Card"。

Precautions. 1. When entering the password, pay attention to cover it with your hands, if you find that there is an abnormal situation in the password shield and card protection slot of the ATM machine, do not use it for the sake of safety, and inform the bank immediately;

2. In order to prevent fake ATMs, customers should try to choose self-service banks with conspicuous signs and use ATMs under the bank's video surveillance;

3. It is best to store the bank card and ID card separately, do not lend the bank card to others, and do not disclose the bank card number and password at will;

4. When swiping the card for consumption, do not let the bank card out of sight, pay attention to the number of card swipes of the cashier, and check whether the amount on the purchase order is correct and whether it is my card when you get the purchase order and the card;

5. Open the mobile phone SMS service, keep abreast of account changes, and call the bank immediately to report the loss once abnormal transactions are found;

7. Do not put the bank card with mobile phones, TVs, stereos, microwave ovens and other electrical appliances with strong magnetic fields, it is best to put them away. Don't put multiple bank cards and passbooks together.

8. Try to separate the cards from each other with pieces of paper to play the role of separation.

9. Special bank card sleeves or anti-magnetic card holders can be used.

No more than 4 cards can be opened with the same bank.