All credit cards issued by Postal Savings Bank, whether they are main cards or supplementary cards, do not need to worry about the annual fee; Except Xingyun and Xinya series cards, Shanghai Bank is permanently exempt from annual fees. Guangfa Bank's China Southern Pearl Credit Card Extraordinary Edition and QQ Car Card; Pudong Development Bank's McDull Credit Card and 6th Anniversary Credit Card; Agricultural Bank of China's golden spike is like an easy card; Daai Credit Card of Bank of Beijing; Shanghai Youth Card of Shenzhen Development Bank; QQ Show Card of Industrial Bank, Tianjin Friendship Co-branded Credit Card applied by Gold VIP members and super VIP members of Tianjin Friendship Commercial Building; Red Cross joint card and official card of China Construction Bank; UnionPay official cards of Bank of Communications and Agricultural Bank; Samsung of China Merchants Bank and VISA of the Olympic Games, as well as all-currency international credit cards; Everbright Bank's Beijing Housing Special Maintenance Fund Card and CITIC Bank's Blue Card; China Bank's Great Wall RMB Credit Card Gold Card and Bank of Ningbo Huitong Yintai Co-branded Card.

ICBC's Shanghai Peony Tongtong Card will be exempted from annual fees for life if its peony platinum credit card has accumulated 4 million points, and other credit cards will be exempted from annual fees for life as long as they have been used for ten years. Hua Xia Bank's Titanium Beauty Credit Card can be exempted from the life-long annual fee by paying 7 yuan's annual fee for the first year.

In addition, major banks will launch some activities from time to time. During the activities, you can apply for a credit card without annual fee for life or during the validity period of the card.