Hello, Kayou. Under normal circumstances, the annual fee is free in the first year of opening a credit card account, and the annual fee will not be charged until the account is opened for one year. As long as you spend 5 or 5,000 yuan a year, you don't have to pay the annual fee next year. If it is a student card, as long as you swipe 3,000 or 3,000 cards within one year, you can avoid the annual fee for the following year.

Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. For personal gold card and ordinary card holders, if they have a good credit record and have held various credit cards of Ping An Bank for more than 10 years (including 10 years) since the implementation of these Measures, they can be given a permanent annual fee-free discount for the main and secondary cards in an account.