After successfully applying for China Merchants Bank credit card, the current regulation is that the annual fee is free in the first year of opening the card for the first time, and it is enough to spend six times in one year. Unlimited (not counting online shopping, unless it is spent in China Merchants Bank) is exempt from the annual fee for the following year.

So, if you don't spend money this year, you don't need to pay any fees, but you won't enjoy the annual fee exemption next year, so you'd better spend more than six times a year without limiting the amount, so the annual fee next year will be saved.