There is no annual fee for CCB's credit card if it is not activated, but it will be charged every year after activation. However, the annual fee of a credit card can be reduced according to the number of swipes. Cardholders who swipe their cards more than three times a year can be exempted from the annual fee for that year. The platinum card can be swiped 18 times a year without the annual fee of the current year.

The annual credit card fee of China Construction Bank is charged annually, with 80 yuan as the main card and 40 yuan as the auxiliary card; Gold card main card 160 yuan, auxiliary card 80 yuan; 580 yuan, the main card of standard platinum card, and 300 yuan, the auxiliary card; Main car card 200 yuan, auxiliary card 100 yuan.

China Construction Bank's credit cards (Puka, Gold Card) are spent 3 times a year (unlimited) free of annual fee. If it fails to meet the requirements, the annual fee will be charged in the next card-holding year and will not be refunded after collection (unless otherwise agreed for special products).

China Construction Bank credit card (standard platinum card) spends 18 times per card year (unlimited amount), and the annual fee for that year is exempted. If the card does not meet the requirements, the annual fee will be collected in the next card-holding year and will not be refunded after collection. (Unless otherwise agreed for special products).

CCB's car card is collected in advance every year and will not be refunded after collection.