ICBC's Peony Smooth Card is free of annual fee. /kloc-valid for 0/0 years, and there is no annual fee if you don't use it once.

Credit cards of other banks need to be swiped 5 times or more to avoid annual fees. As for the minimum repayment amount, every bank can pay the minimum repayment amount, and the minimum repayment amount of credit card does not affect personal credit history.