For the Industrial Bank Yiyi Business Travel Platinum Credit Card, the annual fee collection policy is relatively strict. Regardless of whether the user activates it or not, the annual fee is generated immediately after activation, and there is no offset by the number of swipes or points, because the special service settings of the Platinum Card result in this difference. Unlike ordinary credit cards, the annual fee of the Platinum Card cannot be waived through consumption. Even if the cardholder's accumulated consumption reaches a high amount, such as 4 million yuan, it is only for a specific permanent annual fee exemption policy, not a conventional method.

The annual fee policy usually adopted by banks is that the annual fee is waived in the first year of opening a new card account, as long as the consumption reaches a certain amount during the year (such as 5 transactions or 5,000 yuan). However, for platinum cardholders, the annual fee cannot be permanently reduced unless they meet a specific consumption limit or have held the card for more than 10 consecutive years without a bad credit record. Some banks, such as China Minsheng Bank, do not charge annual fees, while the four major state-owned banks charge higher fees, generally around 10 yuan.

It is worth noting that although the China Banking Regulatory Commission has issued a notice to reduce or reduce some service charges, the annual fee collection of Industrial Bank Youyi Business Travel Platinum Credit Card still follows the original rules. Once the annual fee is incurred, it will be included in the credit record even if it is not paid, so cardholders should ensure that they pay it on time to avoid negative credit effects. The specific annual fee standards, such as 900 yuan for the main card and 600 yuan for the supplementary card, do not include any exemptions under special circumstances.