You can't. Minsheng Wal-Mart Credit Card has no annual fee. The credit card jointly launched by Minsheng Bank and Wal-Mart has preferential activities such as cash back and redemption of points. The Wal-Mart credit card of Minsheng Bank has three grades: ordinary card, gold card and platinum card. Different grades of credit cards have different annual fees, but the annual fee reduction policies are also different.