This is the annual fee for CITIC Bank’s general card: 200 yuan. Of course, there is also an annual fee exemption policy:

If you swipe the card or withdraw cash 5 times in a year, it will be waived for the next year

Annual fee for supplementary card: 100 yuan

Interest-free period (Max): 50 days

It is free to swipe the card in other places and repay it by fellow travelers in other places for free. But you can’t withdraw money