The annual fee policy of most banks has not changed. Generally, the annual fee for standard credit cards is around 1 yuan, while the annual fee for gold cards is generally 2 yuan or 3 yuan. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee of the supplementary card is generally halved corresponding to the annual fee of the main card. However, the annual fee standards of credit cards in different banks will vary according to different cards. For example, Shanghai Pudong Development Bank standard credit card Puka annual fee master card 18 yuan, attached card 9 yuan; Gold card annual fee main card 36 yuan, supplementary card 18 yuan; The annual fee for Shanghai Pudong Development Co-branded Card is 36 yuan; As for the Pufa McDull series credit cards, the signboard of "free annual fee for life" has been displayed. Platinum credit card holders can enjoy VIP service at the airport, golf discount booking, discounts at specific hotels and shopping malls, etc. after presenting their cards, so some platinum credit cards need to pay an annual fee once they are issued, regardless of whether the cardholders are activated or not.
For example, on the high-end GOLF Platinum Credit Card website of Industrial Bank, you can see an important prompt marked in bold red: "Once the card is issued, whether it is activated or not, an annual fee will be charged; Industrial Bank will not refund the annual fee it has collected; Industrial Bank is not responsible for the adverse effects of personal credit records caused by overdue payment of annual fees. In the annual fee-free policy of banks, the words "first year" and "second year" are generally involved, but the timing start time of each bank is different. Some banks count from the cardholder's card opening date to the next year's day, and the annual fee is exempted within this year, such as China Construction Bank and China Guangfa Bank, while some banks start counting from the card verification date or card making date, and then the annual fee amount is reflected in the bill of the month of the card verification date or card making date, such as Bank of Communications and China Merchants Bank. In the latter case, if the cardholder does not use the card in the first year after applying for a credit card, and does not open the card until the second year, it is likely that the annual fee will be directly charged, because according to the bank's timing rules, the cardholder's "first year" does not reach the number of swipes or the amount of swipes.