We accumulate points for credit card purchases, and earn 1 point for every RMB 20/USD 2 spent in a single transaction.

Car cards and city-themed series gold cards accumulate 1 point for every 20 yuan or 2 US dollars, and an additional 50 points will be given (the points value is rounded up to an integer), but the validity period is 2.5 to 3 years. YOUNG Card Youth Moderator Card, Sina Weibo Credit Card, and GQ Card holders who use this card to make purchases in their birthday month will be awarded an additional 1x points, up to a maximum of 2,000 points. Some merchants do not accrue points for transactions and credit card charges.

Accounts to which points belong:

All points accumulated from consumption under the name of the principal cardholder and the supplementary cardholder belong to the points account of the principal cardholder and can only be used by the principal cardholder.

The points of personal cards and personal debt-bearing commercial cards that accumulate permanent valid points of China Merchants Bank credit cards are combined and calculated.

Car cards, city theme series gold cards, Jiuyou.com co-branded cards, World of Warcraft cards, ThinkPad credit cards, QQ membership co-branded cards, Kaixin.com co-branded cards, and American Express cards accumulate exclusive points and are not combined with other card types. points are combined and used.

Global Hotel Group co-branded cards accumulate partner points, and airline co-branded cards accumulate partner miles.