The annual fee of credit card refers to the use fee of credit card, which refers to the service fee charged by the bank for providing credit card services to cardholders. In addition, the annual fee standards of various credit card products of various banks are public, and relevant information can be found in official website.

Under normal circumstances, whether it is a general credit card or a gold card, the annual fee is free in the first year, so as long as you swipe the card for a certain number of times in the same year, the annual fee can be exempted in the second year. However, the number of swipes that each bank needs to achieve without annual fee is different, and the specific situation should be based on the standards published by the credit card issuing bank.

In addition, some high-end platinum cards and unlimited cards do not have an annual fee-free policy for the first year. Even if it is not activated, there is an annual fee. As long as they are approved, the annual fee will be credited immediately, so you should repay them in time.