Hello, if you use a China Merchants Bank credit card, there is no monthly fee;

The annual fee for a China Merchants Bank credit card is ￥100 yuan/year for a regular card and ￥300 yuan/year for a gold card. The annual fee is charged once a year. If you apply for 2 or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, the previous date is the issuance date), not the calendar year. If you successfully apply for a China Merchants Bank credit card (except for some cards), the first-year annual fee will be waived or waived by the China Merchants Bank credit card or its partners in advance for you. The annual fee will be waived within one full year of your card's validity (from the date of card issuance, not a natural year). If you spend 6 times with the card (no limit on amount or form), the annual fee of the card for the following year will be reduced. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time.