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Why does CCB EMV Platinum Credit Card charge an annual fee?

This is the annual usage fee stipulated by the bank. CCB’s four platinum credit cards and their annual fees:

The annual fee for VISA Platinum Credit Card (dual currency) is 580 yuan/card, and the annual fee for additional cards is 300 yuan/card. It can be waived if you swipe the card 18 times in a year. Annual fee for that year.

The annual fee for the premium version of the Platinum Card credit card is 3,600 yuan?

The annual fee for the elite version of the Platinum Card is 1,800 yuan per year? The annual fee is not waived

Financial Management Platinum card, annual fee is 360 yuan.