中信銀行的利息低一點。中信銀行信用卡分期手續(xù)費費率:3期0.72%,6期0.66%,9期0.66%,12期0.61%,18期0.7%,24期0.66%。平安銀行信用卡分期手續(xù)費費率:3期0.85%,6期0.80%,12期0.75%,18期0.75%,24期0.72%