I've been told that eye cream should be applied using your middle finger as it is more gentle than your index finger. Also, pat the cream in, don't rub it.
If you use too much it actually goes the other way and can cause puffiness. Only put it on at night, because it builds up into the pockets of fat. When they say, “use sparingly,†do so.
Apply a half a pea size amount of your eye cream/gel with your ring finger just above your cheekbones around your eyecontours with a gentle quick patting moition. Continue around up to the outside of your inner eyesockets and up on to the outside of your browbone.