Take China Merchants Bank Credit Card as an example. Whether your consumption accumulates points needs to refer to our points rules: swipe China Merchants Bank Credit Card (except some cards), and your transaction amount is calculated as a single consumption/cash withdrawal. You can accumulate 1 points for every 20 yuan or USD 2, which will take effect the next day of bank bookkeeping. However, some types of consumption, such as buying a house, buying a car, wholesale, charity, non-profit services, government payment transactions, public schools, public hospitals, finance and other credit card websites, are excluded.