There is no annual fee. According to the "Management Measures for Virtual Credit Cards of Shanghai Pudong Development Bank" released by the official public account of Shanghai Pudong Development Bank, there is no annual fee for the virtual card of this credit card. The Shanghai Pudong Development Bank Virtual Credit Card is an independent virtual account (no physical card) that can be used for online transactions and cloud QuickPass transactions. The Shanghai Pudong Development Bank Virtual Credit Card belongs to the Shanghai Pudong Development Bank personal credit card account. The holder can use the credit limit in the personal credit card account. You can freely set the consumption limit and usage period of Shanghai Pudong Development Bank virtual credit card, and you can also suspend or start the use of the card at any time to minimize the risk of credit card theft.