China Agricultural Bank etc credit card gold card is free of annual fee in the first year and the next year, and the consumption in that year is 5; The main platinum card is free of annual fee in the first year, and the annual fee in the next year, and the consumption in that year 12. There is no annual fee for supplementary cards. If the cardholder fails to meet the annual fee-free standard within one year, that is, fails to swipe the card 12 times, then the Agricultural Bank will charge an annual fee.