If the annual fee is unavoidable, the Platinum Card of China Everbright Bank is a high-end card, and the corresponding annual fee can be deducted by points. The specific analysis is as follows:

1. The annual fee of the Platinum Card of China Everbright Bank in the first year is 1,188 yuan/year, or the 5 yuan+1, points can be used to deduct the annual fee.

2. The annual fee for the Platinum Card of China Everbright Bank in the following year is 1188 yuan/year, or 2, points are used to deduct the annual fee.