Take China Merchants Bank Credit Card as an example. We don't judge whether you can earn points according to what merchants you have traded or what you have bought, but according to the type of account registration, so we can't predict the type of merchants you have traded before you trade. I suggest you check with the merchant, or we'll check it for you after the merchant checks out. According to the points rules of China Merchants Bank, points are not calculated for some items: 1, annual credit card fee, revolving credit interest, expenses and interest of cash advance, expenses arising from overdue repayment (such as liquidated damages, interest, etc.), and other expenses agreed in the credit card collection contract of China Merchants Bank; 2. Related expenses withheld and remitted; 3. Including but not limited to the consumption of low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance (insurance, investment), charity, residents' services and non-profit social services; 4. Other projects designated by China Merchants Bank.