online payment by credit card is also regarded as credit card consumption. However, there are some differences between it and consumption in physical stores. The main difference is that online consumption has no points. If the cardholder wants to avoid the annual fee through online payment, most banks will count it as the number of purchases.

Take China Merchants Bank as an example. If you successfully apply for a China Merchants Bank credit card, the first-year annual fee of the credit card will be paid in advance by China Merchants Bank credit card or a partner for you, and the annual fee of the card for the next year can be reduced if you spend six times (the amount and form are not limited) within the whole year of your card validity (from the date of card issuance, in non-natural years), and online payment is also included, and this offer will be valid for a long time until the new preferential policy for annual fees is changed.

many online shoppers don't know that credit card online shopping has no points, even if they spend a large amount of 1, yuan online, they will eventually get no points. Therefore, no matter how many times the cardholder spends online, it will not affect the annual fee reduction. Consumers still need to go to supermarkets, shopping malls, restaurants and other physical merchants to swipe their cards, and the number of swipes can reach the free requirement before the corresponding annual fee can be reduced or exempted.

Extended information

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

From the cardholder's point of view, online payment is considered to be one of the most risky payment methods of credit cards, because malicious people may use phishing, eavesdropping on network information, impersonating payment gateways and other means to steal user information. When you pay online, you need to enter the card number, the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter the name and the verification code randomly generated by the webpage.

Reference: Baidu Encyclopedia: Credit card repayment methods.