Annual fee deduction refers to the behavior of the bank to return the annual fee to the user after collecting the annual fee of the user's credit card. This means that the user's credit card annual fee is exempted or reduced, and the user does not need to pay any fees for the annual fee.
This will happen when the number of times the user swipes the card in the annual fee cycle does not meet the exemption conditions stipulated by the bank, and the bank thinks that the user meets certain conditions and gives the annual fee exemption.