Dual-currency card: Gold card: the main card is 200 yuan/year, and the supplementary card 100 yuan/year.

Dual-currency card: Puka: main card 100 yuan/year, supplementary card 50 yuan/year.

Renminbi card: gold card: main card 160 yuan/year, and supplementary card 80 yuan/year.

Renminbi card: Puka: main card 80 yuan/year, subsidiary card 40 yuan/year.

The annual fee policy of ABC's credit card is that the annual fee is free in the first year, and the annual fee in the following year can be exempted if the credit card is spent five times in the first year. You can avoid the annual fee for the third year by swiping your card five times in the next year, and so on.