As far as I know, all credit cards charge an annual fee, but some bank credit cards have an annual fee-free policy. China Bank's annual credit card fee of 800 refers to the Platinum Card, while China Bank's Platinum Card has no preferential policy of annual fee exemption for the first year. However, cardholders spend at least 654.38 million yuan a year. You can accumulate 6.5438 million points to deduct the annual fee for the following year.