| Business Category | Serial Number | Service Item | Service Fee | Preferential Policy | Service Description | Remarks | Applicable Customers |
| Account Settlement Services | 000101 | Account Management (Credit Card Annual Fee) | Retail customers: Annual fees for credit cards (50% for supplementary cards unless otherwise specified): Standard cards: RMB 80 to 100 per card (set); Gold cards: RMB 200 per card (set); Platinum (elite edition)/Titanium credit cards: RMB 500 per card (primary/supplementary); Platinum credit cards (Edge edition): RMB 600 per primary card (no supplementary currently); Platinum credit cards (YOU series): RMB 900 per primary card, RMB 600 per supplementary card; Platinum credit cards (standard edition): RMB 2,600 per primary card, RMB 1,200 per supplementary card; Centurion platinum cards: RMB 6,000 per primary card, RMB 3,000 per supplementary card; Diamond cards: RMB 15,000 per card (primary/supplementary). Supplementary fee schedule for specialty credit card products: GOLF platinum credit cards: primary/supplementary: RMB 9,000 per card; Shanghai Mercedes-Benz platinum co-branded credit cards: RMB 3,500 per card; QQ Show credit cards (physical cards): MINI cards: RMB 40 per card. |
Promotion validity period: July 1, 2025 to August 31, 2026 (inclusive) I. Gold Cards and Standard Cards 1. First year annual fee benefit: The first year’s annual fee will be waived upon successful card approval; Next year annual fee benefit: The next year’s annual fee will be waived if the card is used for at least 5 transactions (purchases or cash advances) within the first year after successful card approval, regardless of transaction amount. 2. Xing Power Credit Cards (Campus Edition), MAX + UnionPay Credit Cards, PASS UnionPay Joint Credit Cards (Campus Edition), E-card of Foshan Educational Metropolitan Area Network, UnionPay Standard Gold Card Automotive Installment DIY Cards, UnionPay Standard Gold Card Car Lot Installment DIY Cards, UnionPay Standard Gold Card Bulk Commodity Installment DIY Cards: The annual fees are waived during the validity period. 3. CIB Express Credit Card Gold Cards First year annual fee benefit: The first year’s annual fee will be waived upon successful card approval; Next year annual fee benefit: The next year’s annual fee will be waived if annual installment transaction volume reaches RMB 5,000. Note: Installment transactions include all installment business types currently offered by CIB. Additionally, the cumulative annual principal amount of installments must reach RMB 5,000 or above. 4. Debit-Credit Combo Cards First year annual fee benefit: Within the first 3 billing cycles after successful card approval, if automatic repayment transactions occur with a cumulative repayment amount of RMB 100 or more, the first year’s annual fee will be waived; Next year annual fee benefit: Within one year after successful card approval, if at least 2 automatic repayment transactions occur with a cumulative repayment amount of RMB 100 or more, the next year’s annual fee will be waived. 5. Tencent Co-branded Credit Card Gold Cards (excluding Super VIP Edition): The annual fee is RMB 80 per card during the validity period. The annual fee is waived for the first year after approval. The next year’s annual fee will be waived if the card is used for at least 5 transactions (purchases or cash advances) within the first year after successful card approval, regardless of transaction amount. Note: The above promotional benefits cannot be combined. II. Platinum Cards (Elite Edition) and Titanium Cards 1. First year annual fee benefit: The first year’s annual fee will be waived upon successful card approval; Next year annual fee benefit: The next year’s annual fee will be waived if cumulative installment amount reaches RMB 5,000 within the first year after successful card approval; if this condition is not met, but the points balance reaches 30,000 points on the date of the next annual fee assessment, the next year’s annual fee may also be automatically waived. 2. Eastern Airlines Joint Credit Cards, Juneyao Air Joint Credit Cards, China Southern Airlines Sky Pearl Credit Cards, Motorists’ Club Credit Cards, PICC P&C Joint Credit Cards, 273 Motorists’ Club Joint Credit Cards: First year annual fee benefit: The first year’s annual fee will be waived upon successful card approval; Next year annual fee benefit: The annual fee of the next year will be waived if the point-earning transactions amount to RMB 30,000 within one year after successful card approval. 3. Mastercard and VISA single-brand foreign currency credit cards: Annual fees are waived during the validity period (applies to both primary and supplementary cards) Note: The above promotional benefits cannot be combined. III. Shanghai Mercedes-Benz Platinum Co-branded Credit Cards: Annual fees are waived during the validity period IV. Platinum Credit Cards (Standard Edition) 1. CIB & Xiamen Airlines Egret Co-Branded Platinum Credit Cards: Gold and silver members of Xiamen Airlines Egret Club may enjoy the preferential annual fee of RMB 2,300 per card for the first year. 2. Eastern Airlines Joint Credit Cards: Gold and silver members of Eastern Miles Club may enjoy the preferential annual fee of RMB 2,300 per card for the first year. V. Waiver of First Year’s Annual Fee for Platinum Credit Cards Upon Reaching Spending Threshold 1. Applicable card products and eligible participants During the promotion, platinum credit cards that are applied for, approved and issued under the following conditions: (1) Platinum credit cards with annual fees of RMB 900 or RMB 2,600 (excluding Xing Card Platinum Credit Cards and their special editions, Motorists’ Club Credit Cards, PICC P&C Co-branded Credit Cards, Airline & Business Travel Credit Cards, CIB Inheritance UnionPay Platinum Credit Cards, and Centurion Platinum Cards) (2) Both new and existing customers are eligible to participate (excluding customers who held valid platinum credit cards under their name as of December 31, 2024) 2. Promotion details (1) Platinum credit cards with an annual fee of RMB 900: Starting from the second month (calendar month) after card approval, if the cumulative monthly spending reaches RMB 8,000 (or equivalent in USD) for six consecutive calendar months, the first year’s annual fee will be waived (applicable to primary card only). (2) Platinum Credit Cards with an annual fee of RMB 2,600: Starting from the second month (calendar month) after card approval, if the cumulative monthly transaction volume reaches RMB 15,000 (or equivalent in USD) for six consecutive calendar months, the first-year annual fee will be waived (applicable to primary cards only). Note: USD transactions will be converted at the rate of 1 USD = 7 RMB. [Detailed terms and conditions are available in the relevant promotion announcements on our official website] VI. Points Redemption for Annual Fee 1. Applicable card products Youyi Business Travel Platinum Credit Cards, Youyue Health Platinum Credit Cards, Lixiang Platinum Credit Cards (Standard Edition), Lixiang Platinum Credit Cards (You Series), Xingxiang Platinum Credit Cards, and Xingyuan Car Owner Platinum Credit Cards (Edge Edition). 2. Promotion details During the promotion period, customers who complete a transaction of any amount via installment payment (regardless of installment type) using an applicable card product within the calendar year may redeem the accrued annual fee for that year using points. Installment transactions are determined based on the authorization approval date. Redemption standards are as follows: (1) Youyi Business Travel Platinum Credit Cards and Youyue Health Platinum Credit Cards: 150,000 points may redeem the primary card’s annual fee of RMB 900 or the supplementary card’s annual fee of RMB 600 for the current year (2) Lixiang Platinum Credit Cards (You Series): 150,000 points may redeem the primary card’s annual fee of RMB 900 for the current year (3) Lixiang Platinum Credit Cards (Standard Edition): 1,300,000 points may redeem the primary card’s annual fee of RMB 2,600 for the current year (4) Xingxiang Platinum Credit Cards: 500,000 points may redeem the primary card’s annual fee of RMB 2,600 for the current year. (5) Xingyuan Car Owner Platinum Credit Cards (Edge Edition): 100,000 points may redeem the primary card’s annual fee of RMB 600 for the current year. Note: Redemption can only be processed manually by calling the customer service hotline at 95561. Detailed terms and conditions are available in the relevant promotion announcements on our official website. |
Providing credit card financial services, related value-added services, and benefits for cardholders. | For credit card products without supplementary cards, only the primary card fee structure applies. For products with supplementary cards, the supplementary card annual fee will be charged at half of the primary card’s annual fee unless otherwise specified. CIB will not refund annual fees once collected. Cardholders shall bear full responsibility for any adverse impact on personal credit records resulting from overdue annual fee payments. | Retail customers |
| Business card (UnionPay): RMB 300 per card; Mastercard Business Travel Credit Cards/VISA Corporate Cards: RMB 300 per card for gold cards; RMB 100 per card for standard cards. |
Waiver of credit card annual fees will be effective from September 30, 2021 to September 30, 2027. | Institutional customers | |||||
| 000102 | Production Fee | Retail customers: IC credit cards production fee: RMB 5 per card; Specially designed credit card production fee: RMB 0 to 3,888 per card (pricing varies based on card theme, design, production craftsmanship, customized card number selection, and other personalized services). |
Special Offer I: From July 1, 2025 to August 31, 2026 (inclusive), IC credit card production fees are eligible for waiver. Special Offer II: 1. Applicable products: American Express® Centurion Platinum Cards. 2. Promotion details: American Express® Centurion Platinum Cards qualify for a waiver of specially designed credit card production fees (covering only the RMB 1,000/card production craftsmanship service fee for American Express® Centurion Platinum Cards, excluding other customized services such as customized card number selection). 3. Promotion validity period: April 1, 2025 to August 31, 2026 (inclusive). |
Retail customers: 1. IC credit card production fee: Charged for new issuances or replacements of IC credit cards, including new IC credit card issuance, IC credit card replacement, and magnetic stripe credit card upgrades to IC credit cards. 2. Specially designed credit card production fee: Charged for new issuances or replacements of specially designed credit cards. |
IC credit card production fee: Charged for new issuances or replacements of cards, but waived for card renewals. Card production fees for IC credit cards and specially designed credit cards are charged upon card activation. Specially designed credit card production fee: Charged for new issuances, replacements, and renewals (including customized card designs) upon card activation. Custom card number selection service is charged only once upon activation of a newly issued card. |
Retail customers | |
| Institutional customers: IC credit cards production fee: RMB 5 per card; |
From July 1, 2025, to August 31, 2026 (inclusive), IC credit card production fees are eligible for waiver. | Institutional customers: IC credit card production fee: Charged for new issuances or replacements of IC credit cards, including new IC credit card issuance, IC credit card replacement, and magnetic stripe credit card upgrades to IC credit cards. |
IC credit card production fee: Charged for new issuances or replacements of cards upon card activation, but waived for card renewals. | Institutional customers | |||
| 000104 | Credit Card Cash Withdrawal or Transfer Service Fee | 1. Cash advance fee (including overdraft transfers): 2% of transaction amount, minimum RMB 20 or USD 2 per transaction, maximum RMB 500 or USD 100 per transaction (intra-city and inter-region transactions are charged equally). 2. Overpayment withdrawal or transfer fee: 0.5% of transaction amount, minimum RMB 5 or USD 1 per transaction, maximum RMB 50 or USD 10 per transaction. No fee applies for transferring credit card overpayments to cardholders’ domestic CIB accounts. 3. Overseas emergency cash withdrawal fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards): 2% of the transaction amount, with a minimum of RMB 20 or USD 2 per transaction, and a maximum of RMB 500 or USD 100 per transaction. |
Promotion validity period: July 1, 2025, to August 31, 2026 (inclusive) Special Offer I: 1. Applicable products: Star Credit Cards, debit-credit combo cards, Taobao joint credit card, Juneyao Air Joint Credit Card, China Mobile Group Guangdong Co., Ltd. Guangzhou Branch Joint Credit Card, QQ VIP credit card, IQiyi Joint Credit Card, Youku Joint Credit Card, KuGou Joint Credit Card, MAX+UnionPay Credit Card, PASS UnionPay Credit Card (Campus Edition), PASS Platinum Credit Card (Elite Edition), Eleme Joint Credit Card, Bayern Munich Theme Unionpay Credit Card Gold Card, Bayern Munich Theme Unionpay Gold Card (Legendary Custom Edition), Bayern Munich Theme Unionpay Platinum Credit Card (Elite Edition), Bayern Munich Theme Unionpay Elite Edition Platinum Card (Legendary Customized Edition) 2. Promotion details: Holders of the above credit cards can enjoy a waiver of the service fee for the first cash withdrawal transaction in each billing month. Important Notes: (1) Cash withdrawal transactions include cash advances and overpayment withdrawals. No points will be accrued for any cash withdrawal transactions. (2) Only one waiver is applicable per account per billing month. (3) A billing month refers to the period from 21:00 on the billing date to 21:00 on the next billing date. (4) This promotion does not apply to overseas cash withdrawals or domestic USD overpayment withdrawals. Special Offer II: 1. Applicable products: Xing Express Credit Cards and Share Now Credit Cards 2. Promotion details: Holders of the above credit cards can enjoy service fee waivers for the first 3 cash withdrawal transactions in each billing month. Important Notes: (1) Cash withdrawal transactions include overpayment withdrawals and cash advances. Transaction eligibility is determined by the actual transaction timestamp recorded in the CIB credit card system. (2) A billing month refers to the period from 21:00 on the billing date to 21:00 on the next billing date. (3) No points will be accrued for the aforementioned cash withdrawal transactions. Special Offer III: 1. Applicable products: CIB Shang MasterCard Dual-Currency Platinum Credit Card 2. Promotion details: CIB Shang MasterCard Dual-Currency Platinum Credit Cards waives the service fee for the first overseas cash withdrawal (USD-denominated transaction) in each billing month. Important Notes: This promotion does not apply to overseas emergency cash withdrawal services. Special Offer IV: 1. Applicable products: Xing Power Credit Card (Campus Version) 2. Promotion details: (1) During the promotion period, holders of the above credit cards can enjoy fee waivers for overpayment withdrawals or transfers. (2) No points will be accrued for the aforementioned transactions. Special Offer V: 1. Applicable products: International Student Credit Cards and MasterCard Standard World Card 2. Promotion details: Holders of the above credit cards are entitled to a waiver of the transaction fee for the first overseas cash withdrawal each billing month. Important Notes: (1) Transaction timing is determined based on the transaction posting time recorded in CIB’s system; (2) Only one fee waiver is applicable per account per billing month; (3) A billing month refers to the period from 21:00 on the billing date to 21:00 on the next billing date； (4) This product does not support RMB cash advances (including overdraft transfers) or RMB overpayment withdrawals and transfers; (5) ATM usage/service fees additionally charged by overseas ATM acquirers are excluded; (6) This promotion does not apply to overseas emergency withdrawal advance services. |
1. Cash advance fee (including overdraft transfers): Cash advance services for cardholders (including overdraft transfers) via multiple channels; 2. Overpayment withdrawal or transfer fee: Channels and services for accessing funds exceeding the overdraft amount in credit card accounts; 3. Overseas emergency cash withdrawal fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards): Emergency support service provided jointly by CIB and card associations to address potential emergency situations that customers may encounter overseas. |
Institutional customers: Business procurement credit cards (standard corporate cards) do not support cash advances, credit balance withdrawals, or overseas overpayment cash withdrawals. |
Retail and institutional customers | |
| 000111 | Foreign Transaction and Currency Conversion Fee (applicable only to dual-currency credit cards and VISA/MasterCard single-brand credit cards) | Charged at 1.5% of the transaction amount. | Special Offer I: 1. Applicable products: Xing Card Platinum Credit Cards, Shang Platinum Credit Cards, and Mastercard Credit Cards (Dual Application Chip Version). 2. Promotion details: Holders of the above Mastercard credit cards enjoy a waiver of foreign transaction and currency conversion fees when making overseas purchases. 3. Promotion validity period: July 1, 2025 to August 31, 2026 (inclusive) Special Offer II: 1. Applicable products: FIFA World Cup International Credit Cards, All-currency International Credit Cards, Mastercard® UEFA Champions League Platinum Credit Cards, and Mastercard Standard World Cards, VISA Art Theme Credit Cards Platinum (Elite Edition), VISA Pyeongchang Winter Olympic Games Credit Cards Platinum (Elite Edition), International Student Credit Cards, VISA FIFA 2018 World Cup Credit Cards Platinum (Elite Edition), Bayern Munich VISA Platinum Credit Cards (Elite Edition), and MasterCard Noble Platinum Credit Cards (Elite Edition). 2. Promotion details: Holders of the above credit cards enjoy waived foreign transaction and currency conversion fees on all overseas purchases. 3. Promotion validity period: Throughout the card’s validity period. |
For automatic local currency conversion services to the card’s settlement currency provided by CIB for cardholders’ overseas transactions settled through VISA or MasterCard networks in non-USD currencies. | Retail customers | ||
| Other Services | 000801 | SMS Service Fee | Credit card transaction SMS notification service fee: RMB 3 per account monthly (collected upon a quarterly basis); waived for platinum credit cards (including titanium cards) and diamond cards. | 1. Eligible participants: Gold credit cardholders 2. Promotion details: Transaction SNMS notification service fees will be waived. 3. Promotion validity period: July 1, 2025 to August 31, 2026 (inclusive) Important Notes:For Gold Credit Card primary cardholders, free SMS notifications for UnionPay RMB transactions are triggered for single transactions of RMB 500 or above (excluding special transactions). You may follow the CIB Credit Card official WeChat account and bind your credit card to monitor account activities in real-time and enjoy more financial conveniences. |
Credit card transaction SMS notification service fee: Once activated, cardholders will receive real-time SMS notifications for all initiated transactions at their registered mobile number, ensuring full transaction visibility and enhanced card security. | The credit card transaction alerts and balance change notification services provided through the Xingye Life APP and the CIB Credit Card official WeChat account are free of charge. | Retail and institutional customers |
| 000804 | Platform Service Fee | Charged as per agreement. | 1. Eligible participants: Under the Local Offers section, merchants meeting the preferential merchant onboarding criteria and having signed the Xingye Life App Preferential Merchant Cooperation Agreement with CIB. 2. Promotion details: Platform service fees will be waived. 3. Promotion validity period: July 1, 2025 to August 31, 2026 (inclusive) |
Comprehensive services including account payment settlement, clearing, information exchange, and product transactions provided to customers through established systems or platforms by leveraging CIB’s advantages in technology, channels, and information. | Institutional customers |