The term means a bonus benefit given by a bank or financial institution to eligible cardholders.

Usually, card credit refers to a discount in the form of virtual currency given by the bank to the cardholder after certain conditions are met. It cannot be directly withdrawn into cash, but it can be used to offset the cardholder's payment. The corresponding amount in subsequent consumption.

For example, in financial institutions such as Bank of Communications, card swiping fees can be used to offset the transaction debt in the credit card account within the specified validity period, or to offset part or all of the consumption at designated merchants. amount. This marketing method aims to motivate consumers to increase the frequency and limit of credit card use, while also helping to cultivate user loyalty.