The investment standard gold card is good. The standard gold card amount is between 10000 yuan and 50000 yuan, and there is no annual fee or small management fee. You don't have to rely on the number of swipes to avoid the annual fee. The annual fee of China Merchants Star Card is reduced in the first year. Those who fail to meet the standard within the annual fee period from the second year will be charged according to the 300 yuan/year of the main card and directly deducted from the credit card limit.