Credit cards in real estate developers, second-hand housing agencies, car dealers, hospitals, schools, taxation and other places cannot accumulate points, and Taobao shopping and online payment are not counted. Because the bank's points are calculated by the merchant's credit card after consumption. The merchant's POS will pay a certain fee to the bank. Therefore, the integral is valid.
For Taobao payment and online shopping, banks can't charge merchants a certain fee, and consumption is not direct consumption by merchants. Taobao itself is a website, online shopping, as well as various payment platforms, such as Alipay, and a fund exchange platform. In the eyes of banks, this kind of consumption is not from merchants, but is regarded as online funds.
First put the money into the payment platform, and then pay it to the online merchant from the platform. Banks can't monitor the actual payment behavior and can't determine whether to spend. Many of them are used to recharge Alipay.
Moreover, in the early days, many people made purchases from Alipay, earned points, returned the money, and returned the money to the original credit card account or other savings account to withdraw funds. So the bank doesn't count. Many people cheat points and many people arbitrage. Therefore, in the later stage, banks all regard online shopping as a receipt, not the consumption of merchants, so they will not score points.