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Does China Merchants Bank have an annual fee-free credit card?
China Merchants Bank has annual fee-free credit cards, but there are few. For example, China Merchants Bank's "Navigation King Wanted Order Collection Card Series" credit card is permanently free of annual fee, but after its successful bid, it will charge a 50 yuan/Zhang card business card printing fee for each card.

Actually, I don't think it's cost-effective. A credit card can be used six times a year without an annual fee, which is equivalent to swiping once every two months, and there is no business card printing fee.

I hope my answer can help the landlord ~