Not necessarily, it depends on the specific card type.

1. Currently, CCB’s EMV credit cards, global hot purchase cards, China Eastern Airlines Rui Wo Card, etc. are free of annual fees within the validity period.

Most credit cards have a preferential policy of waiving the annual fee as many times as you like;

2. For example, the annual fee for the CCB Standard Platinum Card is 580 yuan/card for the main card and 300 yuan for the supplementary card. /Card, if you make 10 card purchases and cash withdrawals in each card-holding year (no amount is limited), you can enjoy the annual fee exemption for that year. The annual fee for the Titanium Platinum Card is 380 yuan/card for the main card and 180 yuan/card for the supplementary card. If you make a total of 6 card purchases and cash withdrawals (no limit on the amount) in each card year, you can enjoy the annual fee exemption for that year. The annual fee for the Gold Card is 160 yuan/card for the main card and 80 yuan/card for the supplementary card. The annual fee for the regular card is 80 yuan/card for the main card and 40 yuan/card for the supplementary card. The accumulated consumption and cash withdrawals for each card year are accumulated. If you complete 3 transactions (no limit on amount), you can enjoy the discount of annual fee for that year;

3. In addition, some card types have rigid annual fees, and they will charge annual fees no matter how much you use, such as China Construction Bank's Diamond platinum card, car card, digital display dragon card, etc.