Hello, card friend.

The Everbright Bank Unlimited Credit Card you hold is a high-end credit card product issued by Everbright Bank. There is currently only one type, called VISA Sunshine Business Travel Unlimited Credit Card. The annual fee collection and deduction of this credit card are significantly different from other credit card products:

First of all, the main card: The annual fee for the main card of the unlimited credit card is 5,000 yuan/year. In the first year, you can use 1 million points can be used to deduct the annual fee of 2,000 yuan, and then the remaining 3,000 yuan is paid by oneself; in the non-first year, you can use 2 million points to deduct the annual fee of 3,000 yuan, and then pay the remaining 2,000 yuan by oneself.

Then, supplementary card: Points cannot be used to offset the annual fee.