5 times. According to information from Tanqi Finance Network, as of December 20, 2023, the annual fee policy for Agricultural Bank of China's credit cards is to waive the annual fee in the first year. If you swipe the card 5 times in the first year, you will be exempted from the annual fee in the next year. In the next year, you will be swiped 5 times. There is an annual fee for the third year, and so on. If the number of card swipes within a year does not reach the annual fee exemption standard, Agricultural Bank of China will charge an annual fee.