credit card usage fee. The annual credit card fee is the service fee charged by the bank for handling credit cards and providing credit card services to cardholders. Simply speaking, it is the use fee of credit cards. The annual credit card fee charged by each family is different but open and transparent. You can check it on the website of official website. Pufa Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys a variety of benefits and can also apply for photo cards for free.