The most common is: the annual fee is free for the first year of credit card opening, and it will be free for a certain number of times in the future. This is a common annual fee-free policy for credit cards;
Free of annual fee after swiping the card for a certain number of times: for example, CITIC Bank UnionPay standard credit card: free of annual fee for the first year once in the first month, and free of annual fee for the next year after swiping the card five times a year.
Free annual fee for accumulated consumption; Free annual fee for life: this policy of free annual fee is rare, but it is not without it. It is worth noting that the lifetime here does not mean that the cardholder does not have to pay the annual fee for life, but that the card he holds is free of the annual fee within the validity period, that is, the life of the card is generally 3-5 years.
Extended data:
Life-long annual fee-free credit card:
1. In fact, there is no credit card with free annual fee for life. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.
2. Shanghai Bank's credit cards also have free lunches, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.
3. Other banks also have life-long annual fee-free credit cards. Because there are too many types of credit cards, you need to look carefully if you want to handle them. For example, China Southern Airlines Pearl Credit Card Extraordinary Edition and QQ Car Card of Guangfa Bank, McDull Credit Card and 60th Anniversary Credit Card of Shanghai Pudong Development Bank, Jinsui Ruyi Credit Card of Agricultural Bank, and AIDA Credit Card of Bank of Beijing [18.82 5.67%] can all enjoy the provision of free annual fee for life.
Baidu Encyclopedia-Credit Card Annual Fee Rules