In some banks, no matter how many times cardholders swipe their cards online a year, it will not affect the annual fee reduction. Consumers still need to swipe their cards at supermarkets, shopping malls, restaurants and other physical merchants, and the number of swipes reaches the free requirement before the corresponding annual fee can be reduced or exempted.

Whether credit card payment online shopping counts as the number of credit card swipes mainly depends on how the bank stipulates. It is best not to judge the number of online shopping transactions subjectively by swiping the card. It is best to call the 24-hour service hotline on the back of the credit card and turn to manual customer service consultation.