Hello. No, the rules for credit cards and debit cards vary from bank to bank.

Credit cards basically have annual fees. Some cards of some banks do not have them, but this is relatively rare. Postal Savings Bank credit cards have no annual fees, and I have not heard of others yet;

Debit cards and joint-stock banks have annual fees and usually small management fees. However, these are more cumbersome to list. Generally, local banks (such as Suzhou Bank, Nanjing Bank, Anshan Bank) etc. , generally there is no annual fee or small management fee, but because it is a local bank, it is not so easy to use outside the local area.

Postal Savings Bank has no annual fee, but if the daily average is less than 100 yuan, it will charge a small management fee on a quarterly basis, 3 yuan per quarter;

Bank of Communications, the annual fee is 10 yuan, no Small management fee;

Industrial and Commercial Bank of China, annual fee is 10 yuan, and a small monthly management fee of 1 yuan per month is charged if the average daily fee is less than 300 yuan;

Each bank has different regulations. So if you want to know more specifically, just go to the corresponding bank and ask.

If you don’t understand, please ask, I hope you can adopt it.