As far as I know, the annual fee policy of ABC's credit card is to waive the annual fee in the first year, and you can waive the annual fee in the following year if you swipe your card five times in the first year. The annual fee for the third year can be waived five times in the second year, and so on.

For example, if the number of times you swipe your card within one year does not reach the annual fee-free standard, ABC will charge you an annual fee for your credit card.

China Agricultural Bank credit card annual fee collection rules are as follows:

1. Personal local and foreign currency gold card: the main card is 200 yuan/year, and the supplementary card is 100 yuan/year.

2. Personal universal cards in local currency and foreign currency: the main card 100 yuan/year, and the auxiliary card 50 yuan/year.

3. Personal RMB gold card: main card 160 yuan/year, and auxiliary card 80 yuan/year.

4. Individual ordinary RMB card: main card 80 yuan/auxiliary card 40 yuan/year.