At present, the annual fee policy of ABC's credit card is free in the first year, and the annual fee for the following year can be exempted if the credit card is spent five times in the first year. The annual fee for the third year can be waived five times in the second year, and so on.

If you don't meet the annual fee-free standard within one year, the Agricultural Bank will charge you an annual fee. China Agricultural Bank credit card annual fee collection rules are as follows:

Personal local and foreign currency gold card: the main card is 200 yuan/year, and the supplementary card is 100 yuan/year.

Personal universal card with both local currency and foreign currency: main card 100 yuan/year, and auxiliary card 50 yuan/year.

Personal RMB gold card: main card 160 yuan/year, supplementary card 80 yuan/year.

Ordinary personal RMB card: 80 yuan as the main card/40 yuan as the subsidiary card/year.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.