Most of the cards issued by Huaxia Bank are free of annual fees in the first year, and the annual fees in the following year can be exempted if five transactions are completed in the first year (online consumption is not counted as points, but as the number of consumption). The conditions for realizing annual fee concessions for each card type are different, which are roughly as follows:

The annual fee can only be reduced if the annual transaction of Huaxia Elite Global Credit Card _ World Exclusive Card (MasterCard) reaches 2500 USD or 15000 RMB.

In the first year, Huaxia Titanium Card chooses to pay the annual fee of 300 yuan and the annual fee-free scheme for the first year. If the transaction in the first year reaches 5,000 yuan or equivalent foreign currency, the annual fee for the next year can be exempted; If the cardholder chooses to pay the annual fee of 700 yuan in one lump sum in the first year, the annual fee will be exempted with this card.

The annual fee of Huaxia Co-branded Card of Lufthansa Frequent Flyer Program will be determined according to the membership level of the cardholder's Frequent Flyer Program when the annual fee is deducted: Lufthansa Frequent Flyer Program HONCircle and Senator members are exempt from the annual fee; Lufthansa frequent flyer members are exempt from annual fees for the first year.