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Are the credit card sub-card, annual fee and main card separate?
Generally speaking, the annual fee of the supplementary card is 50% of the main card, such as Shanghai Pudong Development Bank.

The annual fee of the primary credit card is 180 yuan, so the annual fee of the secondary credit card is 90 yuan. The policy of annual fee exemption for secondary cards is the same as that for primary cards. For example, a bank's credit card needs to be spent six times a year to be exempted.

Annual fee for the following year. If you hold both the primary card and the secondary card of this bank's credit card, if the primary card is spent no more than six times a year, you can pay the annual fee for the secondary card in 90 yuan in addition to the primary card 180 yuan.

Expenses. From this point of view, once you hold the main card and the auxiliary card of a credit card, you must first ensure that the consumption of the main card reaches the condition of free annual fee, otherwise it will not be worth the candle.