Ping An Bank Elite Platinum Credit Card has an annual fee of 6 yuan for the main card and 48 yuan for the supplementary card. The annual fee for the first year can be reduced if the cardholder spends 88 yuan within 3 months after the credit card is verified. After that, the main cardholder of Ping An Bank Elite Platinum Credit Card spends 12, yuan a year, which can be exempted from the annual fee of the following year, and the supplementary cardholder spends 1, yuan a year, which can be exempted from the annual fee of the following year.