If the bank does not restrict the form of consumption, then the credit card (credit card) WeChat payment can be used to deduct the annual fee even if the card is swiped. Banks stipulate that online payment does not count points, so credit card (debit card) WeChat payment is not counted as credit card (debit card) times, and users need to go to POS machine to swipe credit card (debit card) times. Different banks have different rules. Users can directly call the bank's customer service hotline to inquire whether online payment has accumulated credit card (debit card) times.

Banks that pay accumulated points by credit card (debit card) WeChat include China Bank, Agricultural Bank, Industrial and Commercial Bank of China, China Merchants Bank, Ping An Bank and China Everbright Bank.