Hello, your annual fee is for regular card + gold card. You can keep 2 cards and use them at the same time, so if one of them is damaged, you don’t have to pay for a replacement. Look at the type of card you have. If you swipe it 6 times, you can get the annual fee waived. If you have two cards, you can swipe it 6 times each.

The annual fee for China Merchants Bank’s credit card is RMB 100 per year for a regular card and RMB 300 per year for a gold card. The annual fee is charged once a year. If you apply for 2 cards or additional cards at the same time, the annual fee for the second card or additional card will be 1/2 of the first card. The annual fee is calculated from the issuance date of your card (the validity period under the credit card number, the previous date is the issuance date), not the calendar year. If you successfully apply for a China Merchants Bank credit card, the first-year annual fee will be waived or waived by China Merchants Bank Credit Card or its partners, and you can swipe the card 6 times (without any amount) within a full year of your card's validity (from the date of card issuance, not a natural year). Restrictions) The annual fee for the second year will be waived and the annual fee for the third year will be waived by swiping the card 6 times in the second year. If you make 6 purchases with a single card (no limit on amount or form), the annual fee for the card in the following year will be reduced. And until the new annual fee discount policy changes are notified, this discount will be valid for a long time. The number of online purchases can also be accumulated into the 6 times of reduction or exemption of the annual fee for the following year. (Except Unlimited Card/Platinum Card/Business Card/ANA Co-branded Card/VISA MINI Card/MSN MINI Card/VOGUE Titanium Card/HELLOKITTY Fan Gold Card/Miss Kitty Perfume Credit Card)

If you have any other questions , it is recommended that you consult "Customer Service Online"/cmu/icslogin.aspx?from=B&logincmu=0. Thank you for your attention and support!