No annual fee for the first year, prepaid by MSN. Once officially issued, about one month later, you will receive a large card and the first small card. Thereafter, approximately every three months, you will receive a newly designed mini card (the complete set of mini cards includes one large card and four small cards). As long as you use the MSN Collectors Edition Mini Credit Card from China Merchants Bank six times or more (primary or supplementary card, amount, and card size are not restricted) within the third month after issuance, you will enjoy the benefit of no production cost! If the usage is less than six times, our bank will appropriately charge a handling and production fee of 50 yuan per card (supplementary cards are free of charge).