The annual fee for the gold card of China Merchants Bank Credit Card is 3 yuan/year, and the annual fee for the supplementary card of the gold card is 15 yuan/year. However, the annual fee is exempted in the first year of card application, and the annual fee for the next year can be exempted if a single card is consumed for six times at will, and so on.

In order to avoid the annual fee of China Merchants Bank's credit card, it is enough to keep the number of swipes at least 6 times a year. If the annual fee has been generated in the card, you can discuss with the bank and then use the number of swipes to offset it.