Start with where you live. Compare local cards, their recurring costs and the benefits that can fit spending you already planned.
AI-generated illustrative image
Country of residence
Language changes how you read. Country changes which card is available. Your selection does not confirm eligibility; the issuer makes that decision.
Mainland China⌄
Compare local options
Mainland China
Your planned spending may bring something back: useful rewards, a future trip or a little more room in your everyday budget. The right choice depends on the local terms.
Industrial Bank Co., Ltd. · 兴业银行
兴业银行全币种国际信用卡 · Mastercard
CN¥0.00Standard annual fee · CNY
Annual fee waived during the card’s validity. This is the Mastercard version; other card variants have different usage rules.
The issuer waives its foreign-exchange transaction fee for overseas purchases during card validity. Foreign-currency purchases are converted and billed in CNY; this is a fee-saving feature, not a promise of points or cashback.
Who can apply
Mainland-China issuer application: age 18+, full legal capacity, lawful stable income, good credit and valid identification. Bank approval is required.
Before you choose
Repayment is in CNY only. Conversion rates still apply; non-USD purchases may first settle in USD. Confirm Mastercard merchant acceptance. The issuer says point-payment spending is not currently supported.
Standard principal-card annual fee: CNY 300. The first year is waived; five purchases in the current card year waive the following year’s fee. This is the Gold version, not Platinum.
Eligible spending can accumulate issuer points for available gifts or airline-mile redemptions under the bank’s programme. No fixed cash value or universal points-per-yuan rate is assumed here.
Who can apply
Mainland-China application: principal applicants normally 18+, or 25+ for foreign and Hong Kong, Macao or Taiwan applicants. Stable work, income or reliable repayment security and required identity/residence documents; bank approval applies.
Before you choose
Point eligibility and exchange rules depend on transactions and the current catalogue. Check UnionPay acceptance abroad and currency-conversion charges. Fee waivers require qualifying purchases; do not add unnecessary spending. Interest and cash-advance fees are separate.
