Take China Merchants Bank Credit Card as an example. Whether you accumulate points for your consumption 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. For example, Alipay Express Payment or Tenpay Express Payment has points, and 12306 tickets have no points.