Is there an annual fee for two ICBC Universe 12 star cards?

Yes, some cards need several annual fees, but ICBC Cosmos 12 Constellation Credit Card can enjoy the free policy, that is, there is no annual fee to be paid during the validity period. These two cards are UnionPay cards for domestic use and VISA foreign currency cards for foreign use. Users can activate at any local ICBC outlet, first open UnionPay cards for domestic use, and then open foreign currency cards when necessary.