Hello, credit cards all have annual fees. Currently, all major banks have annual fee reduction and exemption policies. For ordinary bank credit cards, the annual fee is waived in the first year, that is, in a natural year from the day you activate it. If you make 6 purchases, the annual fee for the next year will be reduced. There are no restrictions, and there are no restrictions on whether it is offline transactions or online transactions. However, generally high-end credit cards will not waive the annual fee. Please consult the card issuer for specific policies.