There are two ways: full transaction and integral deduction. According to the relevant data, the annual fee reduction policy of Xingye Youyi Business Travel Platinum Credit Card: the transaction amount is exempted in the first year: from the second month (natural month) after the card is verified, the accumulated points are 8,000 yuan per month (online payment has points), which can be reduced in the first year. Annual fee reduction and exemption in the following year: 6.5438+0.5 million points deduction (2 times points on birthday).