the annual fee should be deducted. Please contact the manual customer service of CITIC Credit Card to apply for the number of annual credit card swipes required by the issuing bank within a certain period of time, and then the annual fee will be refunded.

after the credit card is activated, the annual fee is free in the first year, and the annual fee will be deducted if it is not used in the future.

if you want to waive the annual fee for the following year, you must meet the card swiping times required by the issuing bank in that year.

However, CITIC Credit Card can strongly ask the manual customer service to exempt you from the annual fee for life, so that the annual fee will not be deducted even if you don't swipe your card.