Debit cards are classified according to different products, and the specified percentage is used to accumulate general points, including savings deposits (such as 574 points per month for current savings business of 20,000 yuan), wealth management products (0/20 points per month for every 10,000 yuan) and funds (0/00 points per month for every 10,000 yuan). POS consumption (50 points per 10,000 yuan per month for a single consumption amount), personal foreign exchange trading (40 points per 10,000 yuan per month), national debt (40 points per 10,000 yuan per month), insurance, etc. (The first payment amount accumulates 3200 points per 10,000 yuan per month, and only the insurance types in the bancassurance system and only the points corresponding to the first payment amount are calculated), based on the transaction amount.

The accumulated points will take effect before 15 next month, and the points cannot be used by others. China UnionPay Express and Applepay will generate points, and the points rules are consistent with the consumption of physical cards. (Fund direct sales collection and payment, large deposit certificates, structured deposits, all "collective asset management plan" products sold by the Bank, Proton series products and safe custody will not generate points. Foreign currency wealth management products, direct bank wealth management products and funds are not included in the calculation of points. )