The annual credit card fee of China Merchants Bank is RMB 100/year for ordinary cards and 300 yuan for gold cards. The annual fee is charged once a year. If you apply for two cards or supplementary cards at the same time, the annual fee for the second card or supplementary card is 1/2 of the first card. The annual fee is calculated from the issuing date of your card (the validity period under the credit card number, and the previous date is the issuing date), which is not a natural year. If you successfully apply for China Merchants Bank credit card (except for some card types), the annual fee for the first year will be reduced or exempted in advance by China Merchants Bank or partner credit cards, and the annual fee for the next year will be reduced or exempted for a single consumption for six times within a whole year (non-natural year from the date of issuing the card). And this offer is valid for a long time before the change notice of the new annual fee preferential policy. Credit card spending can enjoy interest-free period. Interest-free period means that you don't have to pay any interest if you pay off all the consumption money before the final repayment date. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date.