Each bank's credit card annual fee reduction policy is different. Not every bank, such as Shanghai Pudong Development Bank, is exempt from the annual fee after six swipes.

In addition, the annual fee waiver policies of different credit cards of Shanghai Pudong Development Bank are also different. I don't know which card you are using. Generally speaking, most credit cards of Shanghai Pudong Development Bank need to be repaid at least 5,000 yuan within 1 billing year before they can be exempted from annual fees.

I suggest you call the credit card center of Shanghai Pudong Development Bank and ask them to help you reduce the annual fee manually. As long as it conforms to their annual fee reduction policy, it is ok.