The Bank of Ningbo Platinum Card has an annual fee. As a high-end credit card, Bank of Ningbo Platinum Card has a high credit limit and unique services and discounts, so it usually charges a certain annual fee. The main reasons are as follows:

1. High credit limit: The platinum card has a higher credit limit, which requires banks to invest more funds to manage risks. Therefore, it is important for banks to charge a certain annual fee. A means of maintaining card risk controls.

2. Special services and discounts: Bank of Ningbo Platinum Card is equipped with exclusive services and discounts, such as travel insurance, airport VIP services, high-end business services, etc. These services and discounts require the bank to pay more costs , so it will be reflected in the annual fee.

3. Brand image and positioning: The brand image and positioning of high-end credit cards is an important asset for banks, and charging appropriate annual fees plays a certain role in maintaining the brand image and positioning.