Guangfa Platinum Credit Card: If you spend three times (inclusive) within 90 days after issuing the card, you will be exempted from the annual fee for the first year every time you spend 88 yuan (inclusive), and you will be exempted from the annual fee for the next year if you spend more than 12 times (inclusive).

Guangfa personal credit card gold card and ordinary card: the annual fee for the first year is exempted for newly opened cards, and the annual fee for the next year is exempted for spending 6 times or more each year.