China Construction Bank Credit Card Chexingtianxia is China Construction Bank’s Traffic Dragon Card IC credit card. If it is not activated, there is no annual fee. If activated, the annual fee is 200 yuan per year, and the card has the word auto on it. The annual fee cannot be reduced through a certain number of card swiping, cash withdrawals and other transactions. However, this card enjoys car card benefits, such as a discounted car wash once a week, double points for oil changes, free roadside assistance, etc. Therefore, it is more suitable for customers who often drive.