The invention discloses a full-automatic intelligent bus card swiping method. When passengers get on the bus through the back door, a bus card placing bag is selected and pulled, a bus card is put into the bus card placing bag, at this time, an I-shaped suspension rod is in an elongate state, when the bus card placing bag with the bus card and the hub motor run to the annular track position with the sensor, the sensor is triggered, through the induction of the I-shaped suspension rod, the sensor sends the sensing signal to a controller, the controller controls the hub motor tentatively, at that same time, the telescopic rod device is control to raise the card reader to the suspension position of the bus card placing bag, the bus card placed in the bus card placing bag is contacted with thecard reader to swipe the card, after swiping the card, the bus card placing bag and the hub motor continue to run on the annular track. When running to the passenger position, the passenger identifies the bus card according to the serial number on the bus card placing bag, and then pulls the bus card placing bag downward to remove the bus card from the bus card placing bag.