| No. | Service Item | Charging Rate | Preferential Measures | Services | Remarks | |
| 000101 | Account Management charge | Retail customers: Annual fees for credit card: Common card: Principal card -- RMB card: RMB 80 a card (set),Principal card -- dual-currency card: RMB 100 a card (set);Gold card: Principal card -- RMB /dual-currency card: RMB 200 a card (set);Platinum credit card (elite)/titanium credit card: Principal card/supplementary card: RMB 500 a card;Platinum credit card (edge): Principal card: RMB 600 a card (no supplementary card temporarily);Platinum credit card (YOU series): Principal card: RMB 900 a card, supplementary card: RMB 600 a card;Platinum credit card (standard version): Principal card: RMB 2,600 a card, supplementary card: RMB 1,200 a card;Diamond card: Principal card: RMB 15,000 a card (no supplementary card temporarily) Additional charging rates for special credit card products: Garfield credit card: dual currency / RMB standard card: RMB 80 / card (set card / standard card), dual currency / RMB gold card: RMB 200 / card (set card / standard card); Star Card / QQVIP credit card: dual currency / RMB standard card: RMB 100 / card (set), dual currency / RMB gold card: RMB 200 / card (set); Motorists' Club credit card: distinguished card: RMB 200 / card, elite card: RMB 100 / card;GOLF Platinum Credit Card: main card / supplementary card: RMB 9000 / card;Shanghai Benz Platinum Joint Credit Card: RMB 3500 / card;DIY credit card: main card / supplementary card: RMB 80 / card;debit and credit all-in-one card: RMB 200 / card;QQ show credit card (physical card): standard card: RMB 80 / card, MINI card: RMB 40 / card |
Retail customers: Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card. |
Retail customers: Annual fees for credit card: As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified. Annual fees will be charged against the products including diamond card, platinum card, titanium card, and crystal credit card, etc., regardless they are activated or not upon issuance, except those specified otherwise. IB will not refund any annual fees that have been collected. If the personal credit standing suffers any unfavorable impacts due to the failure to pay the annual fees on time, the cardholders shall bear such impact themselves. |
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| Organization clients: Account opening: The handling charge of RMB 50-2000 in a lump sum for each RMB corporate settlement account;Account management charge: If a RMB corporate settlement account is opened for three months and the daily mean balance in the three months is not more than RMB 10,000, RMB 30 -150 will be charged each quarter; if the daily mean balance in the three months is more than RMB 10,000, RMB 15-75 will be charged each quarter;Account balance management/income and expenditure control: RMB 100 each account a month, or it may be charged at the agreed price; Annual fee of corporate settlement card: RMB 100 per card Annual fees for credit card: Business card (UnionPay): RMB 300 / card; MasterCard Business Travel Credit Card / Visa Corporate Card: gold card: RMB 300 / card; standard card: RMB 100 / card |
Organization clients: Account opening, account management charge, account balance management/income and expenditure control: For customers reaching the certain criteria for identifying customers in terms of closeness of cooperation with IB and contributions to IB, certain concession may be given, and the specific rate of concession is subject to the official circular of the Head Office and relevant branch;An account free of account management fees will be provided for a corporate customer, and an exclusive account will be designated in the order of basic deposit account, special deposit account, common deposit account and temporary deposit account ( Fa Gai Pricing [2014] No. 268) Annual fee of corporate settlement card: Exempted from execution day of charge to Monday, December 31, 2018. |
Organization clients: 1. Account opening: To open corporate banking settlement accounts for customers according to their application;2. Account management charge: To provide daily management services for corporate banking settlement accounts;3. Account balance management/income and expenditure control: To control account balance or control and manage collection and payment of account funds according to the funds management requirements of customers;4. Annual fees for credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card. 5.Annual fee of corporate settlement card: Provide cardholders with services such as transfer, consumption, deposit and withdrawal, inquiry and password change over counters and ATM. |
Organization clients: Account management charge: The charging rate in each quarter may be decided by each handling branch within the price scope provided by the Head Office considering such factors as business development, prices of other banks, and market positioning, etc.; the daily mean balance may also be determined by each branch, but not less than RMB 10,000;Annual fees for credit card: As for any credit card product without a supplementary card, the annual fees may only be charged at the rate for the principal card; as for any credit card product with a supplementary card, the charging rate for the annual fees of the supplementary card is half of that for the principal card, unless it is otherwise specified; annual fees will be charged against the products including diamond card, platinum card, titanium card, and crystal credit card, etc., regardless they are activated or not upon issuance, except those specified otherwise. IB will not return the annual fee that has been paid; any adverse effect on personal credit record caused by overdue payment of annual fee shall be borne by the card holder; |
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| 000102 | Production cost | Retail customers: Production cost of IC debit card: RMB5 a card, excluding cards with respective charging rates;Production cost of IC credit card: RMB5 a card;Urgent preparation cost of credit card (including the express delivery charge): RMB100 a card;Garfield credit card (magnetic strip), MINI-SHINY Constellation credit card (magnetic strip), and QQ VIP credit card (magnetic strip): RMB40 a card (set);DIY credit card: RMB80 a card;Credit card surface DIY function (principal card/supplementary card): RMB80 a card;Production cost of Internet banking Webprotect certificate/dynamic token: RMB25 a certificate/token Production cost of Deluxe Card for Collection (metal version): to open or renew Deluxe Card for Collection (metal version) for clients; Production cost of credit card made from special materials: 1,088-3,888 yuan/card (The price will be determined according to the material of card and its production technique). |
Retail customers: Production cost of IC debit card: 1. VIP customers may enjoy concession/exemption, i.e. the diamond, niello and platinum customers may enjoy exemption and gold card users may enjoy 50% discount;2. A wage card is free of charge;3. A Enjoyable Life Card is free of charge;4. No charge for renewing a card upon maturity;5. No production cost will be charged for replacing a magnetic strip debit card with an IC debit card. 6. No production cost will be charged for an IC debit card issued by self-service device. The preferential treatment lasts from Jan. 1, 2017 till December 31, 2017. |
Retail customers: 1. Production cost of IC debit card: To issue a new IC debit card or reissue an IC debit card, including to issue a new IC debit card, to renew a IC debit card, and to replace a magnetic strip debit card with an IC debit card;2. Production cost of IC credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card;3. Urgent preparation cost of credit card: The service provided to customers when they ask for urgent card production on their own initiative;4. Production cost of Internet banking Webprotect certificate: IB adopts the third party digital certificate issued by China Financial Certification Authority (CFCA), the only state-level electronic certification institution in the field of finance in China, to verify and authenticate the Internet banking customers;5. Production cost for dynamic token: A kind of security verification means for electronic banking, used for handling electronic banking transactions with risks. 6. Production cost of Deluxe Card for Collection (metal version): to open or renew Deluxe Card for Collection (metal version) for clients; 7. Production cost of credit card made from special materials: to open or renew credit cards made from special materials. |
Retail customers: 1. IC debit cards cover IC card and magnetic strip & IC combi-card;2. Production cost of IC credit card: It is charged for a new card or a reissued or replaced card, but not for a renewed card. The production cost of IC card will be charged upon card issuance regardless it is activated or not. The production cost will be charged separately for all IC cards unless it is otherwise specified; 3. Garfield credit card (magnetic strip), MINI-SHINY Constellation credit card (magnetic strip), and QQ VIP credit card (magnetic strip): The production cost will be charged upon issuance regardless it is activated or not;4. Production cost of DIY credit card: The production cost will be charged regardless it is activated or not upon issuance; upon the replacement of a mature card, that is card renewing, the cost will be charged again.5. Credit card surface DIY function (principal card/supplementary card): The production cost will be charged from new customers applying for the card, but no charge from customers applying for reissuing and replacing card and renewing card. The production cost will be charged upon card issuance regardless it is activated or not. 6. No urgent preparation cost for the following credit card products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version);7. No urgent production service available to DIY credit card. 8. Production cost will be charged for opening or renewing a Deluxe Card for Collection (metal version), enjoying no preferential policies about reduction or exemption; 9. Production cost of credit card made from special materials: it will be charged for opening, reproducing, renewing and continuing a card. The production cost will be charged upon card issuance regardless it is activated or not. The fee will be charged from Wednesday, October 25, 2017. |
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| Organization clients: 2nd-generation blue tooth prefabricated certificate: 35 each certificate, 1st-generation blue tooth prefabricated certificated: 25 each certificate; Production cost of corporate settlement card: RMB 10 per card Production cost of IC credit card: RMB 5 a card; Urgent preparation cost of credit card (including the express delivery charge): RMB 100 a card. |
Organization clients: Prefabricated certificate: clients who open the mobile version of enterprise Internet Banking (enterprise mobile banking) from Dec. 30th, 2016 to Dec 31st, 2017 can apply the 2nd-generation blue tooth prefabricated certificate for free. Local branches may implement preferential policies upon internal approval according to local market conditions. |
Organization clients: Prefabricated certificate: IB adopts the third party digital certificate issued by China Financial Certification Authority (CFCA), the only state-level electronic certification institution in the field of finance in China, to verify and authenticate the Internet banking customers;Production cost of IC credit card: To provide the cardholders with financial service, relevant value-added services and rights and benefits related to credit card;Urgent preparation of credit card: The service provided to customers when they ask for urgent card production on their own initiative. Production cost of corporate settlement card:provide cardholders with services such as issuing card and changing card. |
Organization clients: Production cost of IC credit card: It is charged for a new card or a reissued or replaced card, but not for a renewed card. The production cost of IC card will be charged upon card issuance regardless it is activated or not. The production cost will be charged separately for all IC cards unless it is otherwise specified. |
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| 000103 | Overdraft interest rate of credit card | 0.05% a day, with compound interest being counted and collected on a monthly basis | To provide overdraft service with credit card to customers. | |||
| 000104 | Default penalty of credit card | 5% of the outstanding minimum repayment, minimum RMB 20 or USD 3 | The handling charge collected by our bank because the amount repaid by the card holder before the due repayment date (inclusive) is less than the minimum repayment. | |||
| 000105 | Handling charges for cash withdrawal or transfer of credit card | Handling charges for cash advancement (including overdraft transfer): 2% of the amount, minimum RMB 20 or USD 2 per transaction (regardless of being local or non-local);Handling charges for cash withdrawal or transfer of overpayment: It will be charged at the rate of 0.5% of the amount, not less than RMB 5 or USD 1 per transaction and not more than RMB 50 or USD 10 per transaction | Handling charges for cash advancement (including overdraft transfer): To provide the cardholders with the service of cash advancement (including overdraft transfer) via multiple channels;Handling charges for cash withdrawal or transfer of overpayment: To provide a customer with a withdrawable channel and service according to the amount of funds over the overdraft limit in the credit card account of the customer. | Organization clients: The business procurement credit card (standard business card) does not have the functions of cash advancement and cash withdrawal of overpayment; |
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| 000106 | Charges for loss report | Retail customers: Charges for loss report of credit card (excluding card re-issuance): RMB 50 for a common card and business card (UnionPay); no charge for other cards |
Retail customers: The service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or seized unlawfully by another one. |
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| Organization clients: Charges for loss report of credit card (excluding card re-issuance): RMB 50 for a common card and business card (UnionPay); no charge for other cards;Loss report for the opening certificate of corporate fixed deposit account/corporate notice deposit receipt / corporate fixed deposit receipt/corporate certificate treasury bond voucher: RMB 10 each one; Charge for loss report of corporate settlement card(excluding card re-issuance): RMB 10 per card |
Organization clients: Loss report for the opening certificate of corporate fixed deposit account/corporate notice deposit receipt/corporate fixed deposit receipt /corporate certificate treasury bond voucher: For customers reaching the certain criteria for identifying customers in terms of closeness of cooperation with IB and contributions to IB, certain concession may be given, and the specific rate of concession is subject to the official circular of the Head Office and relevant branch. Charge for loss report of corporate settlement card(excluding card re-issuance): Exempted from execution day of charge to Monday, December 31, 2018. |
Organization clients: Report loss of credit card: The service provided to safeguard the account security of a customer under the circumstances that the customer gets his or her credit card lost, stolen, used in an illegal way or seized unlawfully by another one;Loss report for the opening certificate of corporate fixed deposit account/corporate notice deposit receipt/corporate fixed deposit receipt /corporate certificate treasury bond voucher: Loss report for and resetting of important vouchers for fixed deposit, etc. Charge for loss report of corporate settlement card: provide cardholders with services such as loss report and cancellation of loss report. |
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| 000107 | Handling charge for withdrawal | Retail customers: Overseas ATM withdrawal: RMB 16 each transaction (excluding the ATM service fees charged by overseas ATM acquiring institutions from cardholders additionally); Domestic inter-bank ATM withdrawal: The first three transactions in a month will be free of charge regardless of local or non-local withdrawal, and RMB 4 will be charged for each transaction from the fourth transaction in the month; “UnionPay Counter Pass” Inter-bank Withdrawal: 0.1% of the each transaction amount, not less than RMB 3 but not more than RMB 50 each transaction. Farmer assisting withdraw: it will be charged at the rate of 0.45% of transaction amount, not less than 0.9 yuan, not more than 9 yuan. |
Retail customers: Overseas ATM withdrawal: 1. The diamond, niello and platinum customers may enjoy exemption for the first 3 transactions in each month, and gold card users may enjoy 50% discount for the first 3 transactions in each month, which extends from Sunday, January 01, 2017 till December 31, 2017. 2. The Universal Life debit card users may enjoy exemption for the first 3 transactions in each month, which extends from Sunday, January 01, 2017 till December 31, 2017. Domestic inter-bank ATM withdrawal: 1. The diamond, niello and platinum customers may enjoy exemption for the first 10 transactions in each month, gold card users may enjoy 50% discount for the 4th - 10th transactions in each month, and the wage card may enjoy exemption for the first 5 transactions, which extends from Sunday, January 01, 2017 till December 31, 2017. “UnionPay Counter Pass” Inter-bank Withdrawal: The VIP customers of debit card of IB’s Ningbo branch may enjoy concession/exemption, i.e., the diamond, niello and platinum customers may enjoy exemption and gold card users may enjoy 50% discount, valid from Sunday, January 01, 2017 to Monday, July 31, 2017." |
Retail customers: Overseas ATM withdrawal/domestic inter-bank ATM withdrawal: To provide debit card customers of IB with the service of handling inter-bank withdrawal via the ATM of another bank with the symbol of “UnionPay” both at home and abroad; UnionPay Counter Pass inter-bank withdrawal: provide IB debit card users with inter-bank withdrawal service at counters of member outlets which jointed UnionPay Counter Pass program via UnionPay network. Farmer assisting withdrawal: provide debit card clients of our bank with service of small amount withdrawal, through bank card acceptance terminal set up by Unionpay acquirer in designated cooperative merchant service points of villages and towns. |
Retail customers: 1. The wage card customers shall be verified by the Bank according to the agency wage criteria for the wage cards, and the wage card meeting the criteria may enjoy preferential changes. To know more about the additional preferential policies for the wage card, please consult local branches; 2.At present, UnionPay Counter Pass service is available in Shanghai, Tianjin, Jiangsu, Zhejiang, Henan, Shandong (excluding Qingdao), Liaoning (excluding Dalian), subject to announcements of other banks. |
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| Organization clients: Handling charge for inter-bank ATM withdrawal with corporate settlement card: Local: The first three transactions in a month will be free of charge, and RMB 4 will be charged for each transaction thereafter;Non-local: The first three transactions in a month will be free of charge, and 1% of each transaction amount will be charged for each transaction thereafter, not less than RMB 4 but not more than RMB 200 each transaction. |
Organization clients: Handling charge for inter-bank ATM withdrawal with corporate settlement card: provide cardholders with inter-bank withdrawal service on UnionPay labeled ATM. |
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| 000108 | Acquiring fee | Acquiring fee will be charged from merchants by acquiring bodies, and specific rate shall be agreed upon by acquiring bodies and merchants. | To provide merchants with services such as card swiping and consumption, capital clearing, inquiry and statement. | According to the Notice on Improving the Pricing Mechanism for Handling Charges of Card Swiping by NDRC and PBOC (Fa Gai Pricing [2016] No.557, the fee will be charged from September 6, 2016. | ||
| 000109 | Charge for re-issuance and replacement of credit card | RMB 20 each card; in case of needing express delivery, an additional express delivery charge of RMB 20 each letter. | Card re-issuance and replacement services may be provided to customers and express delivery is also available upon the request of customers when cardholders cannot use their credit cards due to damage, rupture, indistinct signature or demagnetized magnetic strip of their cards, or under other special circumstances. | Retail customers: No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version). |
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| 000110 | Reproduction cost of paper password letter for credit card | A common mail is free of charge; in case of needing express delivery, an additional express delivery charge of RMB 20 each letter. | The service provided where a customer loses or forgets his or her password (an express delivery of paper password letter can also be sent by the bank upon the request of the customer). | Retail customers: No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version). |
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| 000111 | Handling charge for reading transaction receipt of credit card (duplicate) | RMB account: 20 yuan/transaction USD account: 5 USD/transaction |
The service of reading duplicate transaction receipts provided to customers when they need to read the transaction receipts as they have doubt on the transactions listed on their statements or under other circumstances. | Retail customers: No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version). |
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| 000112 | Service charge for urgent card re-issuance overseas(only for dual-currency credit card, and VISA/MasterCard single-brand credit card) | VISA card: USD 175 each card; MasterCard: USD 148 each card. Only the common cards are charged, and other cards are free of charge | The bank and the card association jointly provide emergent support service for the oversea travel of a customer for emergent circumstance that may occur to the customer at abroad. | |||
| 000113 | Service charge for urgent cash withdrawal overseas (only for dual-currency credit card, and VISA/MasterCard single-brand credit card) | VISA card: USD 175 each card; MasterCard: USD 95 each card. Only the common cards are charged, and other cards are free of charge | Organization clients: The business procurement credit card (standard business card) does not have the functions of cash advancement. |
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| 000114 | Handling charge for urgent cash withdrawal overseas (only for dual-currency credit card, and VISA/MasterCard single-brand credit card) | 2% of the amount, minimum RMB 20 or USD 2 per transaction | ||||
| 000115 | Commission fee for exchange in overseas transactions (only for dual-currency credit card, VISA/MasterCard branded credit card) | It will be charged at the rate of 1.5% of the transaction amount | The bank provides the service of converting local currency with card settlement currency automatically to a customer when he or she settles non-USD consumption with VISA or MasterCard gateway at abroad. | |||
| 000116 | Handling charge for reproduction of paper account statement of credit card | The account statement for transactions in the latest 12 months can be provided for free (only once in each calendar year). RMB 5 will be charged each time for re-mailing; in case of needing express delivery, RMB 20 will be collected as the charge for express delivery additionally for each letter. | To provides the service of account statements to customers to help them learn the transaction details of their accounts. | Retail customers: No charge for the following products: UnionPay VIP platinum credit card, GOLF platinum credit card, Xing platinum credit card, IB & Xiamen Airlines Egret co-branded platinum credit card, IB & Shanghai Benz co-branded platinum credit card, Business Express diamond credit card, and platinum credit card (standard version) |
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Notes: 1. The services listed in the price list are both applicable to retail customers and institutional customers.
2. Changes to the charging rates and preferential policies of service items are subject to our latest notice.
3. If the local charging administration authorities set down unified prices for the above charging items, the branches in question may follow the relevant provisions.
4. The currency of price in all charging standards is RMB unless otherwise indicated.
5. Complaint hotline: “95561”; complaint email: “95561@cib.com.cn”; approach of written complaint: “Official Wechat Service Account of IB”.