Gold and ordinary cards in all banks are exempt from the annual fee for the first year. If you swipe your card for a certain number of times in the current year, you will be exempted from the annual fee for the next year. Keep rolling around, free of annual fees for life. (CITIC is special. It requires a sum of money in the first month to avoid the annual fee for the first year). The one who swiped the card at least was China Construction Bank Everbright, which required three times, other banks five or six times and Minsheng Bank eight times.

The above annual fee can be waived only by swiping the card, and some cards are also exempt from annual fees for life. For example, all bank business cards are unconditionally free of annual fees for life. However, the application threshold is relatively high, requiring civil servants, employees of government agencies and institutions, or employees of large state-owned enterprises or Fortune 500 enterprises. CCB's Aibo Red Cross Card is also free for life, and Bank of Communications seems to have it.

Finally, I want to talk about the credit card of the Postal Savings Bank. In order to promote credit cards and issue more cards, its universal card is unconditionally exempt from annual fees for life. I won't spend it at home for three or four years, nor will I deduct the annual fee. The threshold for application is much lower than the official card, so it is easy to apply. Only Puka is free of annual fee, and Gold Card is free of annual fee.