Take the Pearl River New Town Red Card of China Merchants Bank Guangzhou Branch as an example. The account management fee is the same as that of the local ordinary card, and the charging standard is 1 yuan/month/card. If any of the following conditions are met, the account management fee can be reduced or exempted: 1, and the average daily total assets are ≥ 10000 yuan; 2. The average daily total assets are ≥ 1000 yuan. And there are transactions (including POS card swiping, online/mobile banking transfer, payment, living payment and credit card related repayment). 3. Payment account (for example, salary is paid in June +65438, and the six-month fee of June +65438 can be exempted). 4. Personal loan repayment account (including secondary deduction account), the "one card" that is being repaid.

Bird card: Princess Baby-Zoe, Warm-hearted Baby-Nana, Ghost Baby-Wenzai, Curious Baby-Sasha: directly exempt from account management fee;

Koi fish baby, high-energy baby and best friend baby: the charging standard is the same as M+ card, and the account management fee is exempted when reaching the standard. The average daily assets of the M+ card in the current month are converted into RMB < 65,438+0,000, and the 3 yuan/month account management fee (no annual fee) is charged.

One-card M+ card has no annual fee, and can be exempted from account management fee if it meets any of the following conditions:

(1) monthly average daily assets ≥ 1000 yuan;

② Make monthly consumption (credit card/online banking transfer/online payment, etc.). );

③ Automatic credit card repayment occurs;

(4) There is a payroll transaction through China Merchants Bank within 6 months;

⑤ Pension, subsistence allowance, medical insurance, unemployment insurance and housing accumulation fund accounts.

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1. If the branch has special regulations, the regulations of the branch shall prevail.

2. Online payment does not include fast payment such as Netlink, Tenpay and Alipay.

When you only have one universal card/passbook, the management fee of the card account will be automatically reduced, and the reduction is still valid. If there are multiple Puka cards, only one card can be specified. Log in to mobile banking, click Home → Headphone logo in the upper right corner → Account management fee, select the corresponding card number, and check whether the specified account management fee is reduced or exempted.

SMS notification: 3 yuan/month/card, free 3 months before the first opening (including the opening month).

China Merchants Bank's one-card mobile banking, popular version and professional version are free. No matter in the same city or in different places, peers or banks are free, and there is no limit on the number of times and the amount of free money. It's just that the maximum daily transfer limit of different channels is different. The above-mentioned free transfer refers to domestic RMB transfer, and foreign currency transfer needs to be charged.

(reply time: July 2020 15. Please refer to the latest business changes announced by China Merchants Bank in official website. )