For Minsheng Bank luxury platinum credit card, as long as the card is successful, regardless of whether the card is opened or not, the bank will directly deduct the annual fee, and there is no annual fee-free policy. Minsheng's luxury platinum credit card has an annual fee of 3,600 yuan for the main card and 1.800 yuan for the supplementary card.

More than 700,000 points of the luxury platinum card of Minsheng Bank can be exchanged for the annual fee of the following year, and the points can be accumulated through credit card consumption and some preferential points activities, and the points on the birthday can be tripled.