Under normal circumstances, the annual fee of Guangfa Credit Card is inevitable, but there is a reduction policy, as follows:

1. Personal credit card gold card and ordinary card: the annual fee for the first year is exempted for newly opened cards, and the annual fee for the next year is exempted for swiping cards for 6 times or more every year.

2. Shang Zhen Platinum Card: within 90 days after the card is issued, swipe the card for more than 3 times (inclusive), and the annual fee for the first year is exempted for each swipe to 88 yuan (inclusive), and the annual fee for the next year is exempted for swiping the card for more than 0/2 times (inclusive).