The conditions of annual fee exemption for credit cards vary from bank to bank. The following are the specific regulations of major banks: China Everbright Bank: the annual fee is exempted in the first year, and the annual fee for the following year can be exempted if you swipe your card three times in a year. China Construction Bank: It is also free in the first year, and the annual fee for the following year can be waived if you swipe your card three times in one year. Bank of China: Free for the first year. You need to complete the card swiping task five times in one year to get free of the annual fee for the following year. Industrial Bank: Free in the first year, and the annual fee will be exempted if you swipe your card five times in one year. Agricultural Bank of China: It is also exempted in the first year, and the annual fee for the following year can be exempted if you swipe your card five times in one year. Huaxia Bank: The annual fee is free in the first year, and the next year's fee is free if you swipe your card five times in one year. China Merchants Bank: Free for the first year. You need to swipe your card six times a year to get rid of the annual fee for the next year. Bank of Communications: Free in the first year. You need to swipe your card six times a year to get the annual fee-free treatment. Bank of East Asia: The first year is free, and the annual fee for the following year can be waived as long as five credit cards are paid or 2, yuan is spent within one year. Shanghai Pudong Development Bank: Free in the first year. If the consumption reaches 2, yuan within one year, the annual fee for the following year can be exempted. China CITIC Bank: swiping the card once in the first month after the new card is activated will exempt the annual fee of the current year, and it needs to be swiped five times in one year to avoid the annual fee of the following year. Industrial and Commercial Bank of China: You only need to complete the card swiping task five times in one year, so you can get rid of the annual fee for the following year.

Generally speaking, the annual fee-free policies of major banks are different. When using credit cards, cardholders should pay attention to the annual fee-free rules of their own cards to ensure that the conditions are met and avoid extra fees.