Most credit cards require an annual fee, but some banks will also launch annual fee-free activities. Cardholders only need to swipe the card the number of times to be exempted from the annual fee. Generally, most credit cards only need to be The annual fee is waived if you swipe the card 5 times in a year. However, it should be noted that each bank's credit card annual fee regulations are different, so it is best to inquire clearly when applying.

There is no annual fee for credit cards. The situation of each bank is different. The details are as follows:

ICBC: The annual fee for credit cards is 25 yuan. If you swipe the card 5 times a year or the amount reaches 5,000 yuan, the annual fee for that year will be waived.

Agricultural Bank of China: The annual fee is waived in the first year. From the second year onwards, the annual fee for gold card is 200 yuan in dual currencies, the annual fee for regular card is 100 yuan in dual currencies, and the annual fee for individual single-currency gold card is 160 yuan. Regular card costs RMB 80; the annual fee for the second year is waived by swiping the card 5 times in the first year.

Bank of China: Great Wall Credit Card’s quasi-credit card has an annual fee of 100 yuan, and the annual fee for the regular card is 20 yuan; the annual fee for the gold card and credit card is 150 yuan, and the annual fee for the regular credit card is 50 yuan, March 1 Users who apply in the future will be exempted from the annual fee in the first year, and will be exempted from the annual fee in the following year after making 5 purchases; Bank of China Credit Card will be exempted from the annual fee in the first year, and will be exempted from the annual fee in the following year after making 5 purchases. The annual fees for Bank of China credit card series are different, such as the City Card The fee is 100 yuan.

CCB: The first-year annual fee for Gold Card and Regular Card is waived, and the annual fee for the following year is waived for purchases made with the card three times a year. The annual fee is 160 yuan for the gold card and 80 yuan for the regular card.

China Merchants Bank: The annual fee is waived in the first year. From the second year onwards, the annual fee for the gold card is 300 yuan and the annual fee for the regular card is 100 yuan. If you swipe the card 6 times a year (no limit on the amount), it will be waived for the next year. fee.

Pudong Development Bank: Gold Card and Regular Card are free of annual fees in the first year. The annual fee for the second year will be waived if the consumption amount of the gold card exceeds 5,000 yuan in the first year, and the consumption amount of the regular card exceeds 2,000 yuan.

Most banks now have preferential policies. You can deduct it by spending a certain number of times. However, the number of annual fee exemptions for each bank is different. The specific standards are based on the standards announced by the issuing bank of your credit card. allow. High-end Platinum Cards and Unlimited Cards all have consumption amount conditions and annual fee exemption requirements for points, or they may not be exempted.

Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, faced with the various annual fee rules for credit cards from different banks, most people often have little understanding of them. However, it needs to be reminded that most of them now Most bank credit cards waive annual fees in the first year of applying for the card.

The validity period of credit card activation is generally three years, but each card is not necessarily the same. As long as the credit card is valid, it can be activated and used. However, bank customer service staff remind cardholders that generally credit cards can be exempted from annual fees if they are used 3-6 times in the first year. However, if the cardholder activates the credit card in the second year, the annual fee will be charged directly. As we generally know, no fees will be incurred if a credit card is not activated. This is because the China Banking Regulatory Commission has stipulated that no fees may be deducted from credit cards without activation by the cardholder.