In terms of annual fee, according to the level of the card,

The annual fee of Platinum Card is 580 yuan, the main card, and the annual fee is free for spending or withdrawing 10 cash (unlimited amount) every year.

Gold master card: master card 160 yuan, and deputy card 80 yuan; Both of them are free of annual fees by swiping the card or withdrawing cash (unlimited amount) three times a year.

Generally speaking, online transactions, telephone authorization, physical store credit card, cash withdrawal and so on. All meet the requirements of annual fee reduction, so eating a meal, going shopping, visiting a supermarket and buying something online are usually done inadvertently.