The annual fees of different cards are different. Generally speaking, the credit card is higher, about 80- 120 yuan, and the credit card is less, about 15 yuan a year, so the annual fees of your three cards are definitely different and should not be collected together.

However, each card has certain annual fee-free conditions, such as swiping the card more than 5 or 6 times a year, what is the credit card balance, etc. You have to ask the bank for details. They set the rules.