The reason why banks issue credit cards is to make money. One aspect of making profits is the annual fee. The main way to make money is through cardholders swiping their cards to make money.

Generally, the annual fee for a standard credit card is about 100 yuan, while the annual fee for a gold card is usually 200 yuan or 300 yuan. The annual fee policies of most banks will not be changed easily. However, the annual fee standards for each bank's credit card will vary depending on the card. Even if credit cards are issued by the same credit card center, the annual fee standards will be very different. Cardholders should first ask how high this "potential cost" is when applying for a card. The annual fee for a single-currency card is lower than that for a dual-currency card. The annual fee for supplementary cards is generally half the annual fee for the main card.

For example, the annual fee for the Shanghai Pudong Development Bank Shanghai Airlines co-branded card is 360 yuan; while the annual fee for the Shanghai Pudong Development Bank standard credit card is 180 yuan for the main card and 90 yuan for the additional card; the annual fee for the gold card is 180 yuan for the additional card and the main card. 360 yuan; as for the Shanghai Pudong Development McDull series of credit cards, it even shows the sign of “no annual fee for life”.