China Construction Bank's credit cards (Puka, Gold Card) are spent 3 times a year (unlimited) free of annual fee. The annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products)

China Construction Bank credit card (standard platinum card) spends 18 times per card year (unlimited amount), and the annual fee for that year is exempted. If the card does not meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products).

CCB's car card is collected in advance every year and will not be refunded after collection.

Bian Xiao's warm reminder: Alipay consumption and recharge are also counted as consumption times, with points; China Construction Bank Red Cross Aibolongka is free of annual fee for life.