Ordinary credit cards issued by every bank have an annual fee, even if they don't pay the annual fee, they must meet certain consumption standards. Credit cards that are completely and permanently free of annual fees are usually some business credit cards or special joint-name credit cards, such as ICBC's Shanghai Peony Express Card (a credit card jointly issued by ICBC and Transportation Bureau), China Construction Bank's Red Cross joint-name card and official card, Bank of Communications' UnionPay official card, Agricultural Bank's UnionPay official card and QQ joint-name credit card. These credit cards are either official cards issued by banks for companies, or joint credit cards issued for promotion and preferential treatment. And they are generally gold and ordinary credit cards themselves, and the annual fee is not very high.

I hope my answer can help you. If necessary, you can call the bank customer service telephone for consultation.