The main charging items of credit card business of SPDB
| Charging items | Charging standards | Remarks | Description |
|
Annual fee of credit card |
(1) General card/simplified gold card: master card 180Yuan; supplement card 90Yuan; | Some cards are free of annual fees, and some cards are entitled to annual fee discount. | (1) General card/simplified gold card: New-mart-SPDB co-branded credit card, New 100-SPDB co-branded credit card (cease to be issued after July 3, 2015), Songlei-SPDB co-branded credit card (wealth card) (cease to be issued after August 18, 2015), Mopark-SPDB co-branded credit card (cease to be issued after April 1, 2016), Qiaohong-SPDB co-branded credit card (cease to be issued after June 15, 2016), Dashang Group-SPDB co-branded credit card (cease to be issued after June 10, 2016), Dayang–SPDB co-branded credit card (cease to be issued after June 10, 2016), Jinan Henglong-SPDB co-branded credit card, Five-star-appliance-SPDB co-branded credit card-Gold card (cease to be issued after November 1, 2010), ZhuzhouWangfujing-SPDB co-branded credit card (cease to be issued after November 23, 2015), general card (cease to be issued after November 1,2010), new gold card, Shanghai Travel credit card (general card), Hainan Travel Gold Card, Singapore Travel Gold Card, Shenzhen Innovation Travel gold credit card, Point Accumulation Gold Card, Standard IC gold credit card, Xingshang SPDB Credit Card, Xingshang-SPDB Credit Card Bailian OK Special Version General Card, I Love China subject credit card, Caixing Gold Card, Q-FACE credit card, IHG Rewards Club- SPDB co-branded general credit card, original Shanghai Airline-SPDB co-branded general credit card, China Mobile-SPDB co-branded gold card, Perfect world – SPDB co-branded gold credit card (cease to be issued after June 10, 2016). |
| (2) Gold card/simplified platinum card: master card 360Yuan; supplement card 180Yuan; | (2) Gold card/simplified platinum card: Songlei-SPDB co-branded credit card (Diamond card) (cease to be issued after August 18, 2015), Meimei-SPDB co-branded credit card (cease to be issued after June 15, 2016), Five Stars Appliance –SPDB co-branded platinum card (cease to be issued after June 25, 2016), Gold Card (cease to be issued after November 1, 2010), Simplified platinum card, Shanghai Travel credit card (gold card), Shenzhen Innovation Travel Platinum Card, standard IC platinum platinum card, point accumulation platinum card, Shanghai Shopping subject credit card, Xingshang-SPDB Credit Card Bailian OK Special Gold Card, IHG Rewards Club-SPDB co-branded gold credit card, China Eastern Airlines – SPDB co-branded Titanium Card, China Eastern Airlines –SPDB gold credit card, China Eastern Airlines –SPDB gold credit card (the original Shanghai Airlines-SPDB co-branded gold credit card), China Eastern Airlines – SPDB Co-branded Platinum Credit Card (simplified) (the original Shanghai Airlines –SPDB co-branded platinum credit card), China Mobile –SPDB co-branded platinum card, Perfect World-SPDB co-branded platinum credit card (cease to be issued after June 10, 2016), SPDB-I Love Ning Zetao Credit Card | ||
| (3) Standard platinum card: master card 680Yuan; supplement card: free; | (3) Standard platinum card: standard platinum card, splendor platinum card | ||
| (4) High-end platinum card: master card 3600Yuan; supplement card 1800Yuan; | (4) High-end platinum card: American Express Platinum credit card, platinum card (the charging standards of annual fees of the platinum card exclusive for partnerships of branches are to be determined separately) | ||
| (5) Business gold/simplified platinum card: master card 400Yuan; supplement card 200Yuan; | (5) Business gold/simplified platinum card: Japan Airlines – SPDB co-branded gold credit card | ||
| (6) Business high-end platinum card: master card 1500Yuan; supplement card 750Yuan; | (6) High-end business platinum card: China Eastern Airlines-SPDB co-branded platinum credit card | ||
| (7) Ultra platinum card: master card 10000Yuan, supplement card 5000Yuan. | (7) Business card, McDull subject card, YOUNG card, YOUNG card (original WOW card), Wanhua-SPDB auspicious co-branded credit card, SPDB Dream Gold Card, SPDB Dream Platinum Card (free of annual fees) | ||
| (8) Ultra platinum card: SPDB American Express ultra platinum credit card, Geely platinum card (standard version, charging standards of annual fees are to be determined separately) | |||
| WOW card membership fees | Entry fees: 260Yuan/account | YOUNG card (original WOW card) | |
| Next year membership fees: 60Yuan/year | |||
| Card production cost | (1) Alien card: 25Yuan/card; | (1) Alien card: YOUNG card (original WOW card) | |
| (2) Personal card: 88Yuan/card; | (2) Personal card: Q-FACE credit card | ||
| (3) IC credit card: 5Yuan/card. | (3) IC credit card: standard IC gold credit card, standard IC platinum credit card, Shanghai Shopping Subject credit card, China Mobile –SPDB co-branded gold card, China Mobile-SPDB co-branded platinum card, Geely platinum card, Perfect World-SPDB co-branded gold card (cease to be issued after June 10, 2016), Perfect World- SPDB co-branded platinum credit card (cease to be issued after June 10, 2016), SPDB Dream Gold Card, SPDB Dream Platinum Card, SPDB I love Ning Zetao Credit Card | ||
| (4) YOUNG card, New-mart-SPDB co-branded credit card, New-100-SPDB co-branded credit card (cease to be issued after July 3, 2015), Songlei-SPDB co-branded credit card (wealth card) (cease to be issued after August 18, 2015), Mopark-SPDB co-branded credit card (cease to be issued after April 1, 2016), Qiaohong– SPDB co-branded credit card (cease to be issued after June 15, 2016), Dashang Group-SPDB co-branded credit card (cease to be issued after June 10, 2016), Dayang–SPDB co-branded credit card (cease to be issued after June 10, 2016), Jinan Henglong-SPDB co-branded credit card, Five Stars Appliance – SPDB co-branded gold card, Zhuzhou Wangfujing-SPDB co-branded credit card (cease to be issued after November 23, 2015), Songlei-SPDB co-branded credit card (Diamond card) (cease to be issued after August 18, 2015), Meimei-SPDB co-branded credit card (cease to be issued after June 15, 2016), Five Stars Appliance –SPDB co-branded platinum card (cease to be issued after June 25, 2016), general card (cease to be issued after November 1, 2010), new gold card, gold card (cease to be issued after November 1, 2010), simplified platinum card, standard platinum card, splendor platinum card, platinum card, Shanghai Travel credit card (general card), Hainan Travel Gold Card, Singapore Travel Gold Card, Shenzhen Innovation Travel Gold Credit Card, Shanghai Travel Credit Card (Gold Card), Shenzhen Innovation Travel Platinum Credit Card, business card, point accumulation card, point accumulation platinum card, Xingshang-SPDB credit card, Xingshang–SPDB credit card Bailian OK special version general card, I Love China subject credit card, Caixing gold card, McDull subject card, Xingshang-SPDB credit card Bailian OK Special Version Gold Card, Wanhua-SPDB auspicious co-branded credit card, IHG Rewards Club-SPDB co-branded general credit card, original Shanghai Airlines –SPDB co-branded general credit card, IHG Rewards Club –SPDB co-branded gold card, China Eastern Airlines- SPDB co-branded platinum credit card, China Eastern Airlines- SPDB gold credit card, China Eastern Airlines – SPDB gold credit card (original Shanghai Airlines-SPDB co-branded gold credit card), China Eastern Airlines –SPDB co-branded platinum credit card (simplified version) (original Shanghai Airlines –SPDB co-branded platinum credit card), Japan Airlines- SPDB gold credit card, China Eastern Airlines-SPDB co-branded platinum credit card, American Express platinum credit card (free of production costs) SPDB American Express ultra platinum credit card (free of production costs) | |||
| Supplementation/replacement fees | (1) Alien card: 25Yuan/card; | (1) Some cards are free of fees; | (1) Alien card: YOUNG card (original WOW card) |
| (2) IC credit card: standard IC gold credit card, standard IC platinum credit card, Shanghai Shopping subject credit card, China Mobile-SPDB co-branded gold card, China Mobile – SPDB co-branded platinum card, Geely platinum card, Perfect World –SPDB co-branded gold credit card (cease to be issued after June 10, 2016), Perfect World –SPDB co-branded platinum card (cease to be issued after June 10, 2016), SPDB Dream Gold Card, SPDB Dream Platinum Card, SPDB I love Ning Zetao Credit Card | |||
| (2) IC credit card: 10Yuan/card; | (2) If card face is changed, 88Yuan/card will be charged for replacement of personal card, or 20Yuan/card for other cards. | (3) Personal card: Q-FACE credit card | |
| (3) Personal card: 15Yuan/card; | (4) Other free-of-charge cards: Songlei–SPDB co-branded credit card (diamond card) (cease to be issued after August 18, 2015), MeiMei-SPDB co-branded credit card (cease to be issued after June 15, 2016), Five Stars Appliance –SPDB co-branded platinum card (cease to be issued after June 25, 2016), gold card (cease to be issued after November 1, 2010), platinum card simplified version, standard platinum card, splendor platinum card, platinum card, Shanghai Travel credit card (gold card), Shenzhen Innovation Travel Platinum Credit Card, business card, point accumulation gold card, point accumulation platinum card, Xingshang-SPDB credit card Bailian OK special version Gold Card, IHG Rewards Club –SPDB co-branded gold credit card, China Eastern Airlines-SPDB Co-branded Titanium Credit Card, China Eastern Airlines – SPDB gold credit card, China Eastern Airlines – SPDB co-branded gold credit card (original Shanghai Airlines –SPDB co-branded gold credit card), China Eastern Airlines – SPDB co-branded platinum credit card (simplified version) (original Shanghai Airlines – SPDB co-branded platinum credit card), Japan Airlines –SPDB co-branded gold credit card, China Eastern Airlines –SPDB co-branded platinum credit card, American Express platinum credit card (free of replacement/supplementation fees), SPDB American Express ultra platinum credit card (free of replacement/supplementation fees) | ||
| (4) Other cards: 15Yuan/card. | |||
| Loss reporting fees | 40Yuan/time | (1) Only loss reporting fees are charged and no supplementation or replacement fees are charged for supplementation/replacement of card in the event of loss has been reported; | Songlei-SPDB co-branded credit card (Diamond card) (cease to be issued after August 18, 2015), Meimei-SPDB co-branded credit card (cease to be issued after June 15, 2016), Five Stars Appliance –SPDB co-branded platinum card (cease to be issued after June 25, 2016), Gold Card (cease to be issued after November 1, 2010), simplified platinum card, standard platinum card, splendor platinum card, Shanghai Travel credit card (gold card), Shenzhen Innovation Travel Platinum Card, business card, standard IC platinum card, point accumulation platinum card, Shanghai Shopping subject credit card,Xingshang-SPDB credit card Bailian OK special version Gold Card, IHG-SPDB co-branded gold credit card, China Eastern Airlines – SPDB co-branded titanium credit card, China Easter Airlines –SPDB co-branded gold credit card, China Easter Airlines –SPDB co-branded gold credit card (original Shanghai Airlines-SPDB co-branded gold credit card), China Eastern Airlines –SPDB co-branded platinum credit card (simplified card) (original Shanghai Airlines-SPDB co-branded platinum credit card), Japan Airlines –SPDB co-branded gold credit card, China Eastern Airlines- SPDB co-branded platinum credit card, China Mobile –SPDB co-branded platinum card, platinum card, YOUNG card, YOUNG card (original WOW card), point accumulation gold card, American Express platinum credit card (free of loss reporting fees), SPDB American Express ultra platinum credit card, Perfect World-SPDB co-branded platinum credit (cease to be issued after June 10, 2016), SPDB I love Ning Zetao Credit Card (free of loss reporting fees) |
| (2) Some cards are free of charges. | |||
| Cash advance | 2% of the cash withdrawal, minimum RMB 20/USD 2/EURO 2/ GBP 2 | ||
| ATM pure overflow payment cash withdrawal | SPDB ATM: 0.5% of cash withdrawal, minimum 5Yuan/time; | ||
| ATM of other banks: 2% of cash withdrawal, minimum RMB 20/USD 2/EURO 2/ GBP 2 | |||
| Overdue fines | 5% of overdue amount | ||
| Dispute service fees | Handling charges for retrieval of consumption slip: 20Yuan/time | Some cards are free of handling fees for enquiry of transaction slips | Platinum card, Geely platinum card, China Eastern Airlines –SPDB co-branded platinum credit card (simplified version) (original Shanghai Airlines –SPDB co-branded platinum credit card), China Eastern Airlines –SPDB co-branded platinum credit card, standard platinum card, splendor platinum card, point accumulation platinum card, Shenzhen Travel Platinum Card, American Express platinum credit card are free of handling fees for enquiry of transaction slips, SPDB American Express ultra platinum credit cards are free of handling fees for enquiry of transaction slips |
| Exchange formality fees | (1) Ultra platinum card: 2% of transaction amount; | In the event of non-RMB transactions, fees are charged if the transaction currency is different with the currency of foreign exchange account of credit card. | Ultra platinum card: SPDB American Express ultra platinum credit card |
| (2) Others: 1.5% of transaction amount. | |||
| Value-added service fees | ShuaKa Le: 6Yuan/person/month | Withdrawn as per 18 Yuan/three months | Point reminder, gifted accidental insurance and public transport insurance |
| Card face DIY: to be charged as per the contract | Provide personal card | ||
| Instant message reminding service: 2Yuan/month | Instant message reminding for transaction less than 500Yuan in the next year | ||
| Qu Xian Ba Wang: 9Yuan/month, 27Yuan/three months will be withheld | All cash withdrawal handling fees within the following 3 months will be relieved | ||
| Fen Qi Bao: 6Yuan/month, 18Yuan/three months will be withheld | 10% of the handling fees for installments will be discounted within the following 3 months | ||
| Sui Jie Jin: 10Yuan of one-off handling fees will be charged together with 0.05% of handling fees will be charged per day | Make loans and repay the loans at any time | ||
| Good man card, 100Yuan/time | Only once per year | Exemption of overdue fine and interests for once | |
| Accelerated Point Accumulation: 3Yuan/month, 9Yuan/three months will be withheld | 5 times of points will be accumulated for a consumption type within the following 3 months | ||
| Yong KaBao (standard version of credit card fraud resistance): 4Yuan/month and 12Yuan/three months will be withheld | Instant message reminding for consumption less tan 500Yuan and free-of-charge 72-hour loss protection will be afforded. | ||
| Yong KaBao (ultra version of credit card fraud resistance): 8Yuan/month (deducted by month, quarter and year for different products) | Instant message reminding for consumption less tan 500Yuan and free-of-charge 96-hour loss protection and card reissuance loss protection for credit card reissuance will be afforded. | ||
| Xin Yong Bao: 3Yuan/month, and 9Yuan/three months will be withheld | Three times of instant message reminding, repayment grace period up to 3 days, provide personal credit certificate as applied by the client and personal accident insurance will be gifted. | ||
| Handling fees for transferring or gifting of McDull subject card point: 20Yuan/time | |||
| Postponed repayment of principals: handling fees may be charged by 1.5%-5% of unpaid principals as per the postponed month (from one to three months) | Repayment of bill principals may be postponed for one to three months | ||
| Postponed repayment of principals: 2%-3%, to be charged in a one-off manner | The client may select the time of delay in repayment of the principals (such as 3 installments and 6 installments) and pay the one-off handling fees of postponed repayment of principals and the principals shall be repaid one-off upon maturity. It is applicable to special cards. | ||
| Yong KaBao (extreme version of credit card fraud resistance): 20Yuan/month (deducted by month, quarter and year for different products) | Instant message reminding for transaction less than 500Yuan Benefit of safe update of personal cards: one-key card locking may be accessible if bills are pushed by week and weekly bills by installment are tackled in time. The priority of investigation of transactions in doubt is offered. Compensations for expenses for credit card fraud in 96 hours, accidental loss of home properties and personal accidental disabilities are gifted. | ||
| Guan Aibao (free of repayment): 20Yuan/month (deducted by month, quarter or year in different products) | The privilege of free repayment of bills in this term in special cases is offered and the highest amount of free repayment may be 50,000Yuan. Care fund is gifted to dead clients in special cases (as high as 10,000Yuan). | ||
| Global Travel: 20Yuan/month (deducted by month, quarter or year in different products) | Clients are free of handling fees in the first 10 cash withdrawals in China every month and the highest amount exempted per month may be 400Yuan. Handling fees for loss reporting are free in the world. Compensation for global drive and ride accident in the amount of 300,000Yuan is gifted. |
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| Damages for one-off advance repayment of small loan Wan Yong Jin | 3% of the one-off advance repayment or of the principal at maturity in advance | ||
| Installment business | Free installments/statement installments: 0-0.9%/installment | 1 installment is for every month. 3 installments, 6 installments, 12 installments, 15 installments, 18 installments, 24 installments and 36 installments are divided as per the business. Different handling fee standards for different installments; the handling fees are charged at proportion to the total amount of installments, which may be charged in a one-off manner or charged monthly. | |
| Shop installments: 0-1.3%/installment | |||
| Non-face-to-face installments: 0-1.52%/installment | |||
| Specific installment: 0-0.46%/installment | |||
| Handling fees for cash transfer by installment | Less than 20Yuan/deal | Cash is transferred by installment to debit cards in the name of clients | |
| Merchant agency business handling fees | To be charged as per the contract price | To be charged on the merchants | |
| Geely handling fees | Daily handling fee rate: 0.03-0.09% | Geely handling fees will be counted on a daily basis as per the balance of the daily overdraught principals from the date of bookkeeping, and the handling fees will be collected as per the cycle of the statement period. |
note：
1.The above items are the main service charging items of our bank and the details may be available at the operating offices;
2.Any change of the charging items shall be governed by the latest notice of our bank;
3.Charging basis: Administrative Measures for Service Price of Commercial Banks (Order of China Banking Regulatory Commission and the National Development and Reform Commission [2014] No. 1);
4. Enquiry and complaint telephone: 4008208788.
