The golden spike card of ABC is not necessarily a gold card. Jinsui Card is just a general term for Jinsui Credit Card. It has four grades: Puka, Gold Card, Zunran Platinum Card (Elite Edition) and Zunran Platinum Card (Collector Edition). The annual fee charged for each grade is different. The annual fee for the master card of Puka is 80, the annual fee for the master card of Gold Card 160, the annual fee for the master card of Zunran Platinum (Elite Edition) is 880, and the annual fee for the master card of Zunran Platinum (Collector Edition) is 3000. Users can judge the grade of the card by the annual fee of the main card.

Although the Agricultural Bank of China Jinsui Card charges an annual fee, it can be exempted as long as it meets the conditions for reduction and exemption.