Dear customers, thank you for choosing Ping An Bank credit card products. According to the information you provided, you may not charge the annual fee for the next year until you spend less than RMB or the equivalent of USD 30,000 in the current year.

Warm reminder: At present, Ping An Owner's Credit Card and Ping An Insurance Gold Card have no annual fee reduction policy for the first year, and 200 yuan annual fee is required for the first year. If the main card consumes RMB or the equivalent of USD 30,000 in the current year, the annual fee for the following year will be exempted.

I hope our answer can help you. For more questions about Ping An Credit Card, you can also click on the official WeChat of Ping An Credit Card to experience a different "Ping An Micro Life" and consult our bank.