The policy of annual fee exemption for credit cards of CITIC Bank is as follows: annual fee exemption for the first year, five times for the second year and five times for the third year and the second year within one month after the approval of ordinary credit cards of CITIC Bank. Platinum cards (or above) and personal cards that require users to pay their own annual fees do not follow this standard. For example, a platinum card is exempt from the annual fee in the first year, and the cardholder can be exempted from the annual fee in the second year.