There is an annual fee. Chaoyang bank card can enjoy a lot of discounts, points service and valuable gifts, and you need to pay a certain annual fee to get these benefits. The annual fee standard of Chaoyang bank card is generally 100 yuan. Chaoyang Bank, a subsidiary of Agricultural Bank of China, provides various types of credit cards, including platinum card, gold card and general card, and each card can enjoy different preferential services.