Ping An Bank's credit card can be exempted from the annual fee for the first year, and the annual fee for the next year can be exempted if it is spent six times in the current year (except platinum card and owner card). Ping An Platinum Credit Card's annual fee for the first year is rigid (cannot be reduced). If you spend 150000 yuan in the current year, you can get rid of 50% of the annual fee of the following year, and if you spend 300,000 yuan in the current year, you can get rid of the annual fee of this card. The supplementary card rules are the same as the main card rules. The first year's rigid annual fee (which can't be reduced) of Ping 'an owner's credit card can be exempted from the next year's annual fee if the consumption reaches 30,000 RMB or equivalent USD in that year.