No, because students' credit cards have no credit limit or only a small amount, banks will generally give annual fee relief, that is, they will be exempted from annual fees for life within the validity period. Of course, some banks' student credit cards are free of annual fees in the first year and the second year after spending six times. At this time, students must reduce the annual fee by swiping their cards.

Extended data:

The credit card for college students is a credit card issued by the bank specifically for college students. It has the functions of free remittance in different places, accumulated consumption points and preferential treatment for designated merchants. It is a good helper for students to open credit, be familiar with finance and enrich their lives.

When using a credit card, we must adhere to the principle of "living within our means and using the card reasonably":

(1) Timely repayment. After using credit card to overdraw consumption, you should repay in full before the repayment date stipulated by the bank. Otherwise, your personal credit will be affected.

(2) Safe use. Be careful not to disclose credit card information to others, especially the card number, expiration date and verification code of the credit card. Criminals can use these credits to complete online payment. Contact the issuing bank immediately to report the loss of the card.

(3) Carefully reconcile. The issuing bank will issue a statement to the cardholder every month, which is a detailed record of the cardholder's monthly credit card consumption, cash withdrawal and repayment. After receiving the statement, read every record carefully to prevent bank accounting mistakes, and pay more attention to whether someone has stolen your credit card. At the same time, the statement is also a very convenient financial management tool, which will help you improve your consumption habits and minimize unnecessary expenses.

(4) credit card. Every credit card has a credit limit set by the bank according to the credit of the cardholder. After the credit card limit reaches the credit card limit, the cardholder can still spend or withdraw cash by credit card. In this case, you will no longer enjoy interest-free treatment for all purchases in that month, and the bank will charge you an overrun fee. The standard of over-limit fee is generally 5% of the credit line. Therefore, college students must avoid overdraft beyond the credit limit when using credit cards.

(5) Use a credit card according to your own situation, and make clear the purpose of applying for a credit card and your repayment ability. Otherwise, the use of credit cards will also bring you some unnecessary trouble. For example: the repayment amount is not enough, and the extra expenses caused by forgetting the repayment time.