The limit is exclusive and the original limit will not be lowered. The UnionPay Premium Platinum Installment Credit Card is free of annual fees in the first year. If the main card spends 3 times in a year, the main card can be exempted. Annual fees are waived for the first two supplementary cards. From the third supplementary card onwards, the annual fee for each supplementary card will be waived for the following year if you make three purchases per year.