1. The annual fee for the first year is waived for Bank of Communications credit cards. If you swipe the card 6 times in the first year, regardless of the amount (cash withdrawals are not included in the number), the annual fee for the next year will be waived. The same applies in the future

2. The annual fee-free period of a credit card is not based on natural months or natural years, but is based on the card issuance date (the card issuance date is on the piece of paper that the credit card is stuck on when the card is issued) (or call customer service to inquire), the 12 months after the card issuance date shall be considered as one year.

3. For example, if the credit card issuance date is December 1, 2007, then the period from December 1, 2007 to November 30, 2008 is one year, that is, the first year. If you reach the number of card swipes specified by the bank in the first year, you will be exempted from the annual fee for the following year, and the following year is from December 1, 2008 to November 30, 2009.

So, as long as you swipe the card 6 times before the card issuance date, the annual fee for the next year will be waived.