The annual fee of credit card refers to the use fee of credit card. In order to stimulate cardholders' spending by swiping their cards, banks generally stipulate that annual fees can be deducted after swiping their cards for a certain number of times. The frequency of annual fee exemption varies from bank to bank, subject to the standard published by the credit card issuing bank in your hand. High-end Platinum Card and Unlimited Card both have the requirement to exempt the consumption amount and annual fee of points, otherwise they cannot be exempted.