How to redeem Ping An Bank credit card points for gifts?

"There are 4 redemption methods for Ping An Bank's credit card points. Let me share with you:

The first method is to log in to the official website of Ping An Bank and then proceed on the official website. Just redeem it

The second way is to download the Ping An Bank app, log in to the app, click "My" to find the "Member Center", and then redeem according to the number of points you have in the Member Center.

The third way is to redeem points by dialing 95511 and following the phone’s voice reminder or manual service.

Everyone is thinking, how can we get more points? The method is very simple. The more you spend, the more points you will get. Not only Ping An Bank, but also credit cards of other banks mainly rely on consumption to obtain points, and the coverage of online payment channels such as Alipay and WeChat is getting wider and wider. Make it more convenient to earn points for consumption.

From the date when the new rules come into effect on January 16, 2014, if a customer has a new card issued, the month the new card is issued will be the month from which the account points are accumulated (including but not limited to new application issuance, loss report Card replacement, card destruction, card renewal upon expiration, application for supplementary cards, application for other types of cards)

If the cardholder applies for a replacement card after the card is lost or damaged, the original card must be replaced within one week from the date of activation of the new card. Points earned from card transactions can be used normally. If the new card is not activated within 3 months from the date of replacement, the points earned from the original card transaction will automatically expire. The redemption period of Ping An Bank's credit card points is only 3 years. When the time is up, the credit card points will be automatically cleared and points will be accumulated again. So remember, you must use them in time when you have accumulated a certain number of points. To avoid expiration and waste.

Let me share with you how points are accumulated with Ping An Bank credit cards: First, if you spend 1 yuan in RMB with Ping An Bank credit cards, you can accumulate 1 Miles Point. For the same reason, if you spend 1 yuan in US dollars, you can accumulate 8 points. A common score for thousands of miles. Furthermore, for Ping An Bank credit card consumption, you can earn 1 point for every RMB 1 spent, and 8 points for every USD 1 spent. Points will not be calculated for amounts below 1 RMB, and amounts above 1 RMB but below the yuan will be rounded up to the nearest cent. Then the points are calculated, just like the points for supermarket shopping, and so on. In addition to this time, if friends who own cars swipe Ping An Bank’s car owner card to refuel, the refueling fee of 1 yuan is equal to 2 times the consumption points. Points can also be accumulated in retail, accommodation, catering, leisure and entertainment, life services and other aspects. "

How to use Ping An Bank credit card points most cost-effectively?

Use points to exchange for Ele.me super membership, and then recharge phone bills, which are hard currency.

Then there are video memberships, which can be redeemed for common video memberships such as iQiyi, Youku, Tencent, Mango TV, etc. Anyway, just stay at home and watch videos.

Ping An Bank Credit Card. Points can also be exchanged for Tmall coupons (anything from 10 yuan to 500 yuan can be exchanged, and 500 points is equal to 1 yuan. Of course, if you don’t have enough points to redeem the selected product, you can also use cash payment to make up the amount)

KFC and even the recently popular Hema Fresh Card, if you need to purchase daily necessities, fresh vegetables, fruits, and seafood, you should take a look. Tmall coupons and Hema coupons can be regarded as hard currency.

Where do points come from?

It’s very simple - consumption. All bank credit cards mainly rely on consumption to earn points, and Ping An Credit Card is no exception, and all online payment channels are available. It is more convenient to earn points for consumption.

Ping An Credit Card points are fully covered by online payment platforms such as Alipay, WeChat Pay, Yiqianqian, Vipshop, Meituan Pay, Suning Pay, JD Pay, and UnionPay APP. , UnionPay QR code payment, UnionPay mobile QuickPass payment (including ApplePay, HuaweiPay, SamsungPay, MiPay and other QuickPass transactions).

However, the UnionPay QR code and UnionPay Mobile QuickPass payments require a single transaction amount of more than 1,000 yuan (exclusive) to accumulate points. Earn 1 point for every 1 yuan spent.

One more thing, there are many types of Ping An credit cards, and the points you can get will be different depending on the card:

If it is a "Platinum Card", the consumption in the birthday month will be 5 times Points, the upper limit is 1 million.

If it is a "Diamond Card", UnionPay purchases in Hong Kong, Macao and Taiwan will earn 9 times extra points.

If it is a "your card", you can enjoy 10 times the points for spending on designated platforms throughout the year, with the upper limit also being 1 million.

If your card is one of these, you should pay attention to such good things.

How to earn points with Ping An Credit Card

Rule for earning points with Ping An Bank Credit Card:

Cardholders use Ping An Credit Card in restaurants, hotels, hotels, department stores, etc. Points can be accumulated for card purchases at retail stores or for mail orders of goods through Ping An Credit Card Center. However, points will not be calculated for the following items:

1. Credit card annual fees, installment fees, late payment fees and other handling fees and various interests;

2. Credit card cash withdrawals and overpayments Receipt of funds, deposits (repayments), transfers, flexible funds, bill installments;

3. Payment or withholding of various public utility fees such as telephone bills, insurance premiums, water and electricity bills, etc. Payment business;

4. Online consumption, public utilities, hospitals, governments, charities, schools, resident services and other special consumption;

5. Real estate, wholesale, home appliances, Car sales and maintenance, refueling (gas) consumption;

6. Other items separately designated by Ping An Bank.

Extended information:

Points calculation rules:

Ping An Bank gives away or deducts points in the following ways:

1. Cardholder Spending 1 yuan in RMB can accumulate 1 Miles Points, and spending 1 yuan in US dollars can accumulate 7 Miles Points. The valid point consumption in the supermarket industry (merchant category code is 5411) in the same credit card RMB account is calculated at a maximum of 3,000 yuan per month (in-store consumption with supermarket co-branded cards is not subject to this restriction). Within the scope permitted by law, Ping An Bank reserves the right to adjust the points conversion ratio;

2. The amount of a single consumption is rounded up to calculate points;

3. The same cardholder When you hold two or more Ping An credit cards, the points accumulated by each card's consumption are accumulated separately by card, but they can be used together. The points of the main card and the supplementary card are combined into the points account of the main cardholder;

4. The cardholder returns the goods or services purchased with the card for any reason, or returns the original card due to billing disputes or other reasons. For consumption payments, Ping An Bank will deduct the corresponding points originally gifted from the amount of the refund;

5. If the credit card account is canceled, the unredeemed points in the account will automatically become invalid; if the credit card is cancelled, the points under the card will be cancelled. Unredeemed points will automatically expire. Points cannot be transferred to other circulating cards or given to other cardholders;

6. If the cardholder fails to apply for redemption within the validity period of the points, the points will become invalid and reset to zero if they expire.

7. If the cardholder applies for a replacement card after the card is lost or damaged, the points earned from the original card transaction can be used normally within one week from the date of activation of the new card. For the new card, the points earned from the transaction of the original card can be used normally within 3 days from the day of activation of the new card. If it is not activated within a month, the points earned from the original card transaction will automatically expire.