Cardholders of ordinary cards and gold cards of China Merchants Bank can be exempted from the annual fee unconditionally in the first year after opening the cards, and they can be exempted from the annual fee in the following year if they spend more than 6 cards at will (regardless of the amount and transaction form). China Merchants Bank Classic Platinum Card 654.38+00000 points can be deducted from the annual fee of the main card and 5000 points can be deducted from the annual fee of the auxiliary card. China Merchants Bank UnionPay Platinum Card is free of annual fee in the first year. If the main card spends 20 times in the current year and the amount reaches 80,000 yuan, and the auxiliary card spends 30,000 yuan and the number of times exceeds 10, the annual fee for the following year can be exempted.