Free annual fee for the first year. Credit card three times in the first year, and no annual fee in the second year. 1, annual fee 10 yuan/card. 2. If the average daily balance is less than that of 300 yuan, the small account management fee of 3 yuan will be charged quarterly. For example, if your average daily balance this quarter is less than that of 300 yuan, you will receive it this quarter, and if it reaches 300 yuan or above next quarter, you will not receive it next quarter. (Beijing Construction Bank stipulates that if the average daily balance is less than 500 yuan, a small account management fee will be charged).