There is an annual fee. There is an annual fee for Bank of Communications credit cards, and the annual fee for different Bank of Communications credit cards is different. But overall, the annual fee of Bank of Communications is not very expensive. The annual fee policy of Bank of Communications credit card is free in the first year. In the first year, if the user swipes the card for more than six times, the annual credit card fee can be waived once. In the second year, the annual ordinary card fee is about 140 RMB, and the annual gold card fee is about 1000 RMB.