1. Credit card transfer transaction, telephone/online banking cash advance transaction, RMB online payment transaction and withholding transaction (excluding insurance premium withholding business).
2. Annual credit card fee, interest, cash payment of points and various expenses (such as cash withdrawal transaction fee and late payment fee, etc.). ).
3. use the industrial bank starry night? Constellation credit card, business card (UnionPay brand), QQ
VIP Credit Card, Industrial Credit Card, Taobao Co-branded Credit Card, Jixiang Airlines Co-branded Card, Guangzhou Mobile Co-branded Card (IC), Debit Card and Debit Card (including overpayment and cash withdrawal).
4. Overpayment transactions of standard Platinum Credit Card and UnionPay Zunshang Platinum Credit Card are not included in the points.
5. IC card electronic cash account deposit transaction and electronic cash consumption have no points.
6. Account signing consumption of specific types of merchants, including but not limited to real estate, automobile sales, wholesale transactions, telecom and TV payment, pawn auction, public institutions, hospitals, junior high schools, universities, colleges, professional schools, charity and social services, non-profit undertakings, fines, bail and bonds, tax payment, government services, embassy and consulate fees, government loans, etc. And the specific merchant categories listed in the following table.