1. First of all, for the gold card, if you swipe the card 5 times a year, you will be exempted from the annual fee for the next year. If you do not swipe the card enough, you can use 5,000 points and 3,000 points respectively to redeem the annual fee of the main and additional cards.

2. Secondly, for the Collector’s Edition Platinum Card, this level of credit card can only use 150,000 points to redeem the annual fee. There is no annual fee exemption for reaching the limit of card swiping times.

3. The final refined version of the Platinum Card requires that the card be swiped 30 times per year to be exempted from the annual fee for the next year. Those who have not reached the number of swipes can use 50,000 points to redeem the annual fee. The full name of Agricultural Bank of China Luban Card is Agricultural Bank of China Golden Harvest Luban Card. The card is divided into three levels: Gold Card, Collector’s Edition Platinum Card, and Essence Edition Platinum Card.