Credit card details

                        CITIC Bank Tianan Insurance Credit Card The first auto insurance joint name card, purchase Tianan Insurance, enjoy the member discount Gold card Renminbi Credit card free annual fee
Exclusive privilegePrivilege details
  • Spend or withdraw 1 yuan to accumulate 2 points. Points can be redeemed for gifts and three major airline miles.
  • Purchase the designated products of Tianan Insurance to enjoy the member price
  • Spend or withdraw 1 yuan to accumulate 2 points. Points can be redeemed for gifts and three major airline miles. Gold card consumption or withdrawal of RMB 1 or HKD 1 can be divided into 2 points, more than 3,000 kinds of gifts can be exchanged, and can also be exchanged for China Southern Airlines, Air China, and Eastern Airlines. 25,000 points can be redeemed for 500 miles.
  • Purchase the designated products of Tianan Insurance to enjoy the member price Cardholders can purchase the insurance products designated by Tianan Insurance Co., Ltd. through the "Tianan Insurance Co-branded Card". They can enjoy member discounts, and participate in various preferential activities carried out by CITIC and Tianan Insurance Company and enjoy relevant benefits.
Basic InformationExpand More
  • LevelGold card
  • CurrencyRenminbi
  • Card issuing organizationUnionPay
  • Integral rulePuka consumption or cash withdrawal 1 yuan product 1 point Gold card consumption or cash 1 yuan product 2 points Birthday double points
  • grade Gold card
  • Currency Renminbi
  • Card issuing organization UnionPay
  • Integral rule Puka consumption or cash withdrawal 1 yuan product 1 point Gold card consumption or cash 1 yuan product 2 points Birthday double points
  • Interest-free period Minimum 20 days, up to 50 days
  • Application conditions Any natural person who has full civil capacity can apply to the card issuer for the CITIC Credit Card Personal Card Master Card with his valid identity document and other documents required by the card issuer. Any enterprise that has a basic account in a financial institution in China, an enterprise with an independent legal personality, an administrative institution, a military unit, a social organization, or other economic organization authorized by a legal person may, in accordance with the account opening permit issued by the People's Bank of China, issue information to the card issuer. Apply for a CITIC official card. The qualification of the official card holder shall be specified and revoked in writing by the legal representative of the unit or its authorized agent. Each unit can apply for multiple business cards.
Related costsMore fees
  • annual fee 200 yuan / year, card spending or cash withdrawal in the current month (unlimited amount of free) the first year free, the first year of credit card spending or cash withdrawal five times (no limit for the annual fee, and so on
  • GetThe maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic cash withdrawal fee is 20 yuan.
  • Repayment The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.
  • annual fee                                     200 yuan / year, card spending or cash withdrawal in the current month (unlimited amount of free) the first year free, the first year of credit card spending or cash withdrawal five times (no limit for the annual fee, and so on
  • Cash withdrawal                                     The maximum cash withdrawal rate is 30%, the cash withdrawal fee is 2% of the cash withdrawal amount, and the minimum domestic cash withdrawal fee is 20 yuan.
  • Repayment                                     The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.
  • Liquidated damages                                     Less than 5% of the minimum repayment amount, the minimum charge is 20 yuan / 2 US dollars / 20 Hong Kong dollars / 2 euros
  • Excess fee                                                                             More than 5% of the credit limit
  • Overdue payment                                                                             The deposit amount exceeds the amount owed, and 0.3% is charged when taken out
  • Instalment rate
    Phase 3 Phase 6 9 issues 12 issues 15 issues 18 issues 24 issues
    2.4% 4.8% 6.84% 8.76% -- 13.5% 18%
PromotionsOffer details
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