Chinese phrase
银行卡有年费吗？ yín háng kǎ yǒu nián fèi ma
Meaning
Is there an annual fee for bank cards?
When to use it
This asks whether a bank card has an annual fee. It is a polite, neutral question about card costs, often used before opening an account or choosing a card.
Example dialogue
您好，请问银行卡有年费吗？ nín hǎo qǐng wèn yín háng kǎ yǒu nián fèi ma
Excuse me, is there an annual fee for bank cards?
有的会收费，特别是高端信用卡；普通借记卡通常不收费。 yǒu de huì shōu fèi tè bié shì gāo duān xìn yòng kǎ pǔ tōng jiè jì kǎ tōng cháng bù shōu fèi
Some cards charge one, especially high-end credit cards; ordinary debit cards usually do not.