Yunnan Construction Bank and rural credit cooperatives have low credit card fees. According to relevant data, the annual fee of Jinbi Credit Card of Yunnan Rural Credit Cooperative is inevitable. The annual fee is charged annually, and the card will not be refunded if it is cancelled halfway. China Construction Bank is exempt from the annual fee for the first year and the annual fee for the second year by swiping the card for three times. These two banks will charge lower fees than others.