There is no annual fee for this kind of card without activating the bank after issuing it. You can rest assured to activate the credit card before it expires (the validity period of the card is on the front of the card, at the lower right of the card number, and there are four numbers, including a slash in the form of "month/year". For example, if it is written as 09/24, it means that the card will expire in September 24).
After activation, the annual fee is: Gold Card 160 yuan, and the annual fee (unlimited amount) can be waived for three transactions each year; Platinum card: 580 yuan, supplementary card: 300 yuan. If you spend 10 cash (unlimited amount) by credit card every year, the annual fee for that year will be exempted. General online transactions, telephone authorization, physical store credit cards, cash withdrawals, etc. It also meets the requirements of annual fee reduction.