求教这个T&C

coke_xemon

是ANZ的信誉卡花500就就cash back 200
子细看了一下T&C外面
excluding cash, cash advances as defined in the ANZ Credit Cards Conditions of Use, cash equivalent transactions, balance transfers and premiums paid for ANZ Credit Card Insurance
而后我花了两笔
1.coucil rate
2.BUPA的保险费
请问这个应该都不在excluding外面吧？我了解的premiums paid for ANZ credit card insurance是针对ANZ credit card insurance这个产品的premiums?
谢谢~