Generally, Ping An Bank stipulates that the number of swipes of Ping An Credit Card for annual fee waiver is 3-6 times.

If the cardholder does not want to use the credit card, he can activate it after getting the card, and first brush off the number of annual fee waivers. Because some Ping An banks will generate annual fees even if their cards are not activated. After that, the credit card can be handled at will.