Specifically, you can go to the business outlets of Shanghai Pudong Development Bank to get the handbook they now have for redeeming points gifts.
Points have nothing to do with free annual fees. Points are mainly used to exchange gifts. Free annual fee depends on the type of easy financial card you have, and you can spend it several times a year without annual fee. This is the main way to avoid the annual fee, and there are other ways you can ask the lobby manager or financial manager of the local business hall when you get the brochure for exchanging gifts.