There is no need to actively use it, the card fee will be automatically deducted when a transaction occurs.

Card swiping bonus is a bonus benefit provided by Bank of Communications to eligible cardholders. Cardholders can use the card swiping bonus in their account to deduct the transaction principal when using a Bank of Communications credit card.

The use of card credit is automatic. The bank will return the amount deducted from the card credit to the cardholder's account within three days after the cardholder completes the transaction. The full price of the goods or services is still required.