Everbright Credit Card is exempt from the annual fee in the first year, and it can be exempted from the annual fee as long as it is swiped three times in the following year. As long as the football card sleeve and the focaca sleeve are brushed three times, the annual fee can be avoided for both large and small cards. In addition, online transactions also calculate the number of consumption, which means that you can waive the annual fee for the next year by recharging Alipay three times.