The annual fee is waived for the short term, and the annual fee is waived for points. According to the annual fee reduction policy of Hubei Rural Commercial Bank's credit cards, it can be roughly divided into two categories, one is exempt from annual fees in the first year, and the other is exempted from annual fees with points.

1. There is no annual fee for the first year. The card has a certain validity period. The validity period is printed on the front of the card in the form of "monthly/yearly". During the period when the card is available, no matter whether it is used or not after activation, it will not be used. There will be an annual fee.

2. The first category is points-free annual fee: credit cards that use points to deduct annual fees are basically high-end credit cards above the platinum level. These credit cards are rigid credit cards, and the annual fee card benefits are also " Good value for money”. Some cards can be deducted with points. In addition to spending money with a large number of points earners, you can also participate in some point earner activities to earn points quickly.