The annual credit card fee of Guangfa Bank can be refunded after deduction. Holding credit cards such as Guangfa Shang Zhen Platinum Card and Elite Platinum Card, and completing three transactions within 90 days after card opening (the amount of each transaction is not less than 88 yuan RMB), you will be eligible for annual fee refund in the first year. After meeting the requirements, the return will be processed next month.