Under normal circumstances, the annual fee is free for credit cards in the first year. At the same time, if you spend X times in the same year, the annual fee for the next year is also free.

How many times do you need to spend, and how much is the annual fee if the number is not enough? Because each bank has different regulations for different credit cards, it is necessary to consult the customer service hotline. We don't know.

Unusually, I heard that platinum cards must pay an annual fee anyway. Of course, I just heard of it.