The annual fee, which is generally charged HK$200-HK$6,000, depends on banks and types of credit cards. One- to three-year annual fee waiver is usually offered to attract users, and cardholders get their fee waived if they can meet the minimum spending. Some card issuers even advertise credit cards with no annual fee, so please check the terms before applying. You can request annual fee waiver by calling the card issuer's hotline.
Furthermore, many banks charge an early termination fee of more than HK$100; other common fees and charges include replacement fee, late charge, over-limit fee, cash advance fee and foreign transaction fee. In addition to credit card welcome offers, you shall also check with the card issuer to see the fees and charges of your credit card.