You can deposit money, and there is no handling fee for deposit at the Agricultural Bank of China.

You can add it to online banking, that is, you already have online banking. This card can't be used for online banking, and after it is added, it can't handle business such as transfer. You can only use the account inside to pay back the money spent on the credit card online.

In fact, this card is just a nice name, which means that you are a civil servant, and it is not much different from ordinary credit cards in actual use.