the gold card has to pay a higher annual fee as the management fee. The annual fee for Puka is 1 yuan, while the annual fee for Gold Card needs 3 yuan, but both Puka and Gold Card can be exempted from the annual fee for the next year by swiping their cards for six times.

In addition, there are four ways to exempt the management fee of China Merchants Bank's credit card gold card:

1. The gold card is a payroll card

2. The gold card is a loan repayment card

3. The gold card is associated with my credit card and applies for self-service repayment function

4. The assets of all accounts in China Merchants Bank add up to 5, yuan (including stocks, funds, entrusted wealth management, current in local and foreign currencies)