Most credit cards do deduct the corresponding amount from the card as soon as they are activated to pay the annual fee.

Some banks can waive the annual fee for swiping cards, as long as the number of swipes or the amount is sufficient; Or you can exchange points for annual fees; Or there are other activities that can reduce the annual fee of credit card (as the regulations of different banks may be different, I suggest you call the customer service hotline of each bank to inquire whether there are relevant policy activities).