I got a credit card, saying that if I spend it five times a year, I can get rid of the annual fee. Excuse me, how to calculate the credit card consumption? Do my overdrafts and repayments count as expenses? I The bank spends five times a year with a credit card free of annual fee, which refers to the number of times you spend in a physical store. For example, if you spend a bottle of mineral water in a supermarket with a credit card, even if you spend it once with a credit card, if you pay it five times with a credit card, you have already spent it five times a year, excluding cash withdrawal, deposit and online shopping with a credit card.