However, some cards can be reduced or exempted by swiping the card or redeeming points. For credit cards that are free of annual fees, usually, if the number of swipes reaches several times or the amount of swipes reaches, the annual fee of the current year or the annual fee of the next year can be exempted. There are also some high-end credit cards, and the annual fee is a rigid fee. There is no way to reduce it, and users have to pay.

Whether the annual fee of the user's credit card can be reduced or not depends on the type of the user's credit card. Please consult your issuing bank for details.