Alipay uses a credit card to pay, in fact, it uses Alipay express payment method to pay. Usually this is a credit card. As for whether it can be counted as the number of annual fee-free credit cards, it depends on how the bank stipulates it.

Usually, if the bank does not require the number of credit card swipes and the form of points, it can be counted as the number of credit cards swiped; And if the bank has requirements for the form of credit card, if there is consumption of points, this situation is definitely not counted. If you really don't know the rules of the issuing bank, the most direct way to teach you is to call the 24-hour service hotline and ask the customer service clearly.

If you want to know whether the credit card has been swiped enough times to avoid the annual fee, you can inquire in the following ways:

1. Telephone inquiry: directly dial the 24-hour service hotline on the back of the credit card and transfer to manual customer service inquiry;

2. Online inquiry: log in to the credit card official website, find out your issued bills and outstanding bills, and add up all the credit card swipes in it to know the total number of credit card swipes.