1. Gold card and ordinary card of personal credit card of Guangfa Bank: the annual fee for the first year is exempted for newly opened cards, and the annual fee for the next year is exempted for swiping cards for 6 times or more every year.

2. Shang Zhen Platinum Card of Guangfa Bank: within 90 days after issuing the card, swipe the card for 3 times (inclusive), and the annual fee for the first year is exempted for each swipe of 88 yuan (inclusive), and the annual fee for the next year is exempted for swiping at least 12 (inclusive).

3. Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.