You can use your surprize points to pay your annual card fee as follows: You can manually request an annual card fee waiver as a reward in the rewards shop. You can activate the automatic annual card fee waiver (“Annual card fee subscription”) as a reward. However, you can have the annual card fee waived or refunded only once per fee period, either by manually requesting it or in subscription form.
Manual request in the rewards shop
Activate the annual card fee reward as a subscription; from then on, as a surprize reward, your annual card fee will be automatically waived until you deactivate this reward option or cancel your card.
Deduction of points: Upon billing of the annual card fee
Retroactive refund of the annual fee: No, this is not possible