The annual fee of a credit card is usually related to the level of the credit card. Many banks will divide the same credit card into several levels. Different levels have different benefits, so the annual fees are naturally different. Take this GF Youyue Foshan co-branded card as an example. Guangfa Bank’s announcement stated that the levels of this co-branded card are RMB platinum card and gold card. There are no supplementary cards. The following are the annual fee standards for different levels.

1. Platinum Card: The main card annual fee is 480 yuan per card per year. If you make 3 transactions (inclusive) within 90 days of issuance and each transaction is 88 yuan (inclusive), the first-year annual fee will be waived. If you make 12 or more transactions, the annual fee will be waived. If you subscribe more than once (inclusive), the annual fee will be waived on a rolling basis.

2. Gold Card: The annual fee for the main card is 80 yuan per card per year. The annual fee is waived in the first year. The annual fee will be waived on a rolling basis after swiping the card 6 times or more.

It is not difficult to see that whether it is a platinum card or a gold card of GF Youyue Foshan Co-branded Card, the annual fee can be reduced or exempted conditionally. However, please note that the conditions must be met within the annual fee settlement cycle, otherwise, the annual fee may also be deducted. The annual fee cycle of Guangfa Credit Card is based on the card opening date, that is, the annual fee date and the card opening date are the same day and are fixed every year. In other words, you only need to remember the card opening date.