1. Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, late payment fees, over-limit fees and other credit card fees;
2. Credit card transfer, cash withdrawal, deposit (repayment), withholding, payment and credit balance return;
3. Online banking and telephone banking payment.
4. Low or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, government services, charities and public utilities;
5. According to the relevant specifications of China UnionPay and other relevant institutions, the acquiring institution has set up a white list of special billing marks, preferential categories, relief categories or non-standard billing;
6. The consumption of merchants whose categories are not included in the category code of China UnionPay merchants;
7. Online transactions;
8. Other projects designated by China Bank.
Thus, using China Bank's credit card to spend on Taobao, whether it is Alipay express transaction or online banking payment, can't accumulate transaction points.