The main source of income of banks is interest income, and the handling fee is the bulk of UnionPay, which is meaningless. As long as it is not mentioned on the bank machine, any cashless settlement consumption using a credit card belongs to credit card consumption and can be included in the annual fee-free range.
China Merchants Bank's credit card counts the number of times that the online payment is free of annual fees for six times, but it does not necessarily have points: for example, C2C websites where buyers and sellers trade for netizens such as Taobao/Alipay and Paipai generally have no points; B2C category means that many products directly sold by websites have points, such as Shouxin, Dangdang and Ctrip.
So I have to try to see if I have any points: before buying, log on to the homepage of China Merchants Bank Credit Card official website Club, see the real-time points displayed in red letters under the nickname on the right, then pay online, and check again 2-3 days after successful payment or recharge. If it increases accordingly, it means that the website has points.