Bundled consumption is also included in the number of times that the annual fee is exempted for 6 swipes. As long as there is credit card consumption, no matter what form, as long as the number of times is enough, it is equivalent to offline credit card consumption, and the annual fee can be reduced or exempted.

Credit card annual fee-free policy:

Annual fee-free policy for the first year: Generally speaking, cardholders usually apply for a credit card without annual fee in the first year, and the annual fee for the next year can be waived if the number of swipes reaches a certain standard. However, some banks are exceptions. For example, the annual fee for ICBC credit cards is inevitable in the first year. If you swipe your card for 5 times or spend more than 5,000 yuan, you can avoid the annual fee of the current year. The credit card of CITIC Bank is free of annual fee in the first year, and it must be swiped within the first month after issuance.

Annual fee exemption policy for the following year: China Everbright Bank and China Construction Bank stipulate that the annual fee for the following year can be exempted by swiping the card three times this year; Most banks, such as Agricultural Bank, Bank of China, Industrial and Commercial Bank of China, China Merchants Bank and Bank of Communications, maintain the annual fee-free standard at 5-6 times in the following year.

Number of valid credit cards: According to the regulations of the bank, the annual fee can only be waived if the valid credit card reaches a certain number of times.

Annual fee collection for high-end credit cards and special credit cards: The above annual fee-free policies for credit cards refer to ordinary bank cards, which are relatively loose. Banks' high-end credit cards such as platinum cards, titanium cards and unlimited cards are required to be free of annual fees. For example, China Bank Platinum Credit Card is free of annual fee in the first year, but after that, it needs to spend 6.5438+0.6 million points every year to offset the annual fee with 800 yuan; Ping An Bank Platinum Card charges a compulsory annual fee of 2800 yuan in the first year, and the annual fee of 50% in the following year can be exempted when the consumption reaches/kloc-0.5 million yuan in that year, and the annual fee of the following year can be exempted when the consumption reaches 300,000 yuan in that year.