1. Credit card fees, such as annual credit card fees, interest and penalty interest, cash advance procedures, overdue fees, late fees, over-limit fees, etc. When the bank deducts these fees, it will not get points. In addition, credit card transfer, deposit (repayment), withholding, agency payment, cash withdrawal and other transactions are basically not scored (individual bank credit card cash withdrawal transactions have points).
2. According to industry regulations, merchants with low or zero rates charge little or no fees for credit card transactions, such as real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charities and public utilities, so cardholders can't make money by swiping their cards at such merchants, and naturally they won't return the bonus points.
3. Stored value payment transaction
For example, provident fund, tuition fees, various top-ups and so on.
4. Some online transactions
Most banks don't give credit card online trading points, but with the trend of credit card online shopping, many banks give credit card online trading points rewards for special channels such as Alipay credit card fast payment. In addition, many banks have launched credit card products, such as online shopping co-branded cards, which can accumulate points.
5. Non-integral consumption stipulated by the bank itself.
In this case, the specific regulations of each bank are different. Banks usually provide a list of merchants without points, and cardholders can log in to the issuing bank in official website for enquiry.