1. The ordinary card, gold card and set card of Everbright Credit Card are exempt from annual fee in the first year, and the annual fee in the following year is exempted if you swipe your card for three times or spend more than 2000.

2. If you swipe your card three times, you will be exempted from the annual fee of the following year, no matter how much you swipe your card.

3. Online credit card spending of Everbright, Guangfa, China Merchants, Transportation, Xingye, Minsheng and Pudong Development is also included in the number of credit cards, regardless of B2C or C2C. Platinum cards are basically free of annual fees by swiping.