The annual fees of different types of credit cards in Industrial Bank are different. Among them, Puka is exempt from the annual fee in the first year, swiping the card five times in one year is exempt from the annual fee in the next year, and the gold card is exempt from the annual fee in the first year, and the amount swiped in one year is 1 0,000. The main card of dual-currency Kapuka is RMB 100 per year, and the auxiliary card is 50 yuan per year; Garfield Credit Card of Industrial Bank pays the annual fee of 80 yuan in the first month, swipes the card five times in three months, and returns the annual fee in the fourth month, and then waives the annual fee for the following year.