You can redeem bonus gifts, participate in bonus lottery and deduct the annual credit card fee (online banking is not required) on the credit card website/bonus plan column.

How China Merchants Bank calculates points;

1 China merchants bank: consumption points: 20 yuan = 1 points.

China Merchants Bank credit card points calculation rules are:

(1). 20 yuan can get 1 points when using China Merchants Bank's credit card for single consumption of RMB, and 2 yuan can get 1 points for single transaction of USD. The points generated by the consumption amount will take effect on the day after the bank bookkeeping date.

(2) Credit card of China Merchants Bank can be used in restaurants, hotels, department stores and other retail stores, and goods can be ordered by mail through China Merchants Bank Credit Card Center, and points can be accumulated by installment payment and cash advance with China Merchants Bank Credit Card (bank center, credit card center and credit card application), except for items that are not calculated according to credit card points rules.

2 The following items are not integral:

(1). Annual credit card fee, revolving credit interest, expenses (such as liquidated damages and interest) arising from late payment of cash advance and interest, and other expenses agreed in the credit card collection contract of China Merchants Bank.

(2) Related expenses withheld and remitted.

(3.0 Low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, residents' services and non-profit social services.