Gold master card: master card 160 yuan, and deputy card 80 yuan; Both of them are free of annual fees by swiping the card or withdrawing cash (unlimited amount) three times a year.

Annual fee of standard platinum card: 580 yuan as the main card and 300 yuan as the auxiliary card. Annual fee is free for spending or withdrawing 10 cash (unlimited amount) by credit card every year.

Generally speaking, online transactions, telephone authorization, physical store credit card, cash withdrawal and so on. They all meet the requirements of annual fee reduction, so eating a meal, going shopping, visiting a supermarket and buying something online are usually done inadvertently.