Hello, card friend, the annual fee of Bank of Communications credit card is charged after use. The annual fee is free in the first year of opening an account, and it will only be charged after opening an account for one year, but as long as you swipe 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card160,000 points or 200,000 yuan), you don't have to pay the annual fee for the next year.

If your Bank of Communications credit card is not opened, then Bank of Communications will naturally not charge you an annual fee.

In addition, Bank of Communications has also introduced a policy of permanently reducing the annual credit card fee, as follows:

Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. For cardholders of personal gold cards and ordinary cards, if they have a good credit record and have held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures, they can be given a permanent annual fee-free discount for the main and secondary cards in an account.