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Hi THere
You wont be able to do this with a CloudWatch alarm because the EstimatedCharges metric always includes credits.
You can do it another way by using AWS Budgets. In AWS Budgets, you can set a spend limit and get alerted when you spend is exceeding that limit. You have control over the charge types like excluding Credits, discounts, etc. See https://docs.aws.amazon.com/cost-management/latest/userguide/create-cost-budget.html
Example Budget setup:
