1. If you use the Bank of Communications credit card for spending, you will accumulate 1 points for every RMB 1 yuan spent, and 7 points for every 1 USD spent (points cannot be obtained for certain types of transactions and certain types of merchant spending, see Article 2 below for details).

2. The following items will not be calculated:

(1) Various interests and handling fees stipulated in the applicable credit card articles of association or collection contract, including but not limited to annual credit card fees, cash withdrawal transaction fees, overdraft interest, late payment fees, over-limit fees and other credit card fees.

(2) Transfer transactions, cash withdrawal transactions and some online transactions *.

(* 2065438+65438 in 2002+1 October1,you can accumulate points for dollar consumption and cash consumption online in club.bankcomm.com, the Bank of Communications points paradise. Online dollar consumption refers to the consumption whose transaction code is online consumption and is traded through VISA or MasterCard. )

(3) specific types of debit consumption, including but not limited to real estate; Automobile sales; Wholesale transactions; Hospital; Primary and higher education institutions; Universities, colleges and specialized schools; Charity and social services, non-profit undertakings; Fines; Bail and deposit; Pay taxes; Government services; Embassy and consulate fees; Government loans; And the bill consumption of specific merchant categories listed in the table below.

(The above information will be adjusted irregularly according to the types of merchants increased or decreased by relevant institutions. Please refer to the information published on the credit card website of Bank of Communications. )

Note: the merchant category is subject to the merchant category code set by the merchant credit card POS machine. If the category of the consumer's credit card POS does not match the category of the actual merchant, please consult the merchant and the acquiring institution (that is, the bank or other institution where the POS machine is deployed). In addition to the accumulated error of points caused by the Bank of Communications itself, the Bank of Communications will give points according to the types of merchants displayed in the credit card POS.

(4) Other items designated by Bank of Communications (see the table below for details). The information in this merchant list will be adjusted from time to time, please refer to the information published on the credit card website of Bank of Communications).

Remarks: Merchants who do not accumulate credit card points of Bank of Communications sporadically are subject to the merchant code, and the names of merchants are for reference only.

Give 5 times points on your birthday.

The main cardholder can enjoy 5 times of points (1 times of basic points +4 times of reward points) when spending at the designated catering and entertainment merchants on his birthday, and the maximum reward points can be 1 10,000 points on that day. In the month when the Platinum Card hosts the cardholder's birthday, the RMB consumption points can enjoy double points, and can be shared with the activities of spending 5 times points at the designated catering and entertainment merchants on the birthday.

Hope to adopt. Good luck.