How are Postal Savings Bank of China credit card points accumulated? How to use points to redeem gifts?

Although the Postal Savings Bank has many customers, there are also many people who are applying for a Postal Savings Bank credit card for the first time and do not know all aspects of it. A friend who applied for a postal credit card for the first time asked: How do you accumulate points on a postal savings bank credit card? How to use points to redeem gifts? Let me answer it for you today.

How are Postal Savings Bank of China credit card points accumulated?

1. Postal Savings Bank credit card holders can accumulate 1 point for every RMB 1 spent, and on the cardholder’s birthday, the points spent by the main card and supplementary card can be doubled. However, it should be noted that points from supplementary cards are calculated into the main card.

2. Points will not be counted for consumption in real estate and car sales industries, as well as points for consumption in schools, hospitals, public institutions, etc.

3. Credit card transfers, repayments, cash withdrawals, annual fee payments, late payment fees, etc. are not counted as points.

How to use Postal Savings Bank credit card points to redeem gifts?

1. Mall redemption

You can log in to the Postal Savings Bank Points Redemption Mall. After logging in, you can enter the points exchange page and use your points to redeem gifts.

2. Customer Service Telephone Redemption

You can call the Postal Savings Bank’s customer service hotline at 95580 or 400-889-5580 to apply to the customer service staff to redeem your credit card points for gifts. Or you can redeem it yourself according to the voice prompts. After dialing, press the "5" key, then the "1" key, then the "2" key, and then enter your credit card, gift number and gift quantity. The gift was redeemed.

The above is a summary of the points calculation rules for Postal Savings Bank credit cards, and how to redeem points for gifts. Friends who want to know how many points they have and want to redeem points for gifts can refer to the above summary. Go and do the operation.

How to redeem Postal Savings Bank credit card points for Starbucks? Is it a good deal?

The Postal Savings Bank Credit Card WeChat official account pushed a message that “Points can be redeemed for Starbucks medium cup coupons!”, which attracted the attention of many cardholders. Many cardholders said that their first reaction after seeing this information was that they were happy. Although they were redeeming a medium cup, it was better than nothing. While they were happy, they wanted to know whether it was a good deal and whether the price was high. Let’s learn more about it together.

1. How to redeem Postal Savings Bank credit card points for Starbucks

There are three channels for exchanging Postal Savings Bank credit card points for Starbucks, one is through the WeChat official account, the other is through mobile banking, and One is PSBC Credit Card APP redemption. Here is a brief introduction to the redemption process of the three channels:

1. WeChat public account redemption: Follow the Postal Savings Bank Credit Card WeChat and click My Account in "ding~account" , click "My Points" after bill inquiry, click ""Please go to WeChat Mall to inquire and redeem points" and then find the Starbucks activity entrance on the homepage, and you can use points to redeem.

2. Bank mobile banking redemption : Download Postal Savings Bank mobile banking, click on the "Credit Card" channel, find and click "Points Shopping" and then go to the homepage to find the Starbucks activity entrance on the homepage, and redeem it with points.

3. Redeem using credit card APP: Download. In the Postal Savings Bank Credit Card APP, click "E Mall and Activities" to enter the points mall homepage and find the Starbucks event entrance on the homepage.

2. Is it cost-effective to redeem Postal Savings Bank credit card points for Starbucks?

You can also see on the Bank of China’s Starbucks redemption page that it takes 37,000 points to redeem a medium cup of Starbucks drink.

What is the concept of 37,000 points based on the points accumulated on the Bank of China Post’s credit card without taking into account other promotions? The rule is that 1 yuan = 1 point. This cup of Starbucks is equivalent to paying 37,000 yuan, and it is still a medium cup. However, most bank credit cards require 15,000-17,500 yuan to exchange for a large cup of Starbucks coffee. It is not particularly cost-effective to redeem bank credit card points for Starbucks.

If you insist on redeeming it, I won’t stop you!

Where to redeem Postal Savings Bank credit card points

Postal Savings Bank credit card users can call Postal Savings Bank savings credit card 24-hour customer service hotline 400-889-5580 and press 5 to enter points and text messages Service, you can check your redeemable points, and then transfer to a manual agent to apply for gifts with extra points.

Warm tips for redeeming Postal Savings Bank credit card points:

1. Points from the Postal Savings Bank savings credit card supplementary cards are combined into the main card account, and supplementary cardholders cannot redeem points. For gifts, the main cardholder must apply to redeem points for gifts.

2. Postal Savings Bank provides Postal Bank Gold Card holders with exclusive gold card gift redemptions, and cardholders who meet the conditions can redeem them.

Mobile phone model: Huawei p30; mobile phone version: v12.0

1. How long does it take to get rid of the payment suspension of Postal Bank?

The credit card suspension of Postal Bank After payment, it is usually unfrozen within three days. If it is not unfrozen for more than three days, the cardholder can contact the bank staff by phone to ask the reason, or he can bring his bank card and ID card to the bank counter to cancel the bank card payment stop service. Bank card payment is usually stopped due to no transactions for a long time, or bank card overdraft, arrears, and other reasons. You can go to the bank counter to find out the reason to avoid payment stop happening again in the future.

2. How much is the postal bank card SMS fee deducted per month?

The postal bank card SMS fee is 3 yuan per month, and 36 yuan per year. . The so-called SMS fee can also be called messenger fee, which means that when the balance of the bank card account changes, the specific fund changes will be sent to the user through SMS, allowing the user to keep track of the changes in the account funds at any time. But now you can check your account balance at any time through mobile banking. If you don’t need SMS service, you can go to a Postal Bank branch to cancel.

3. Postal Savings Bank query

① Bank client query Download the corresponding bank mobile client, fill in the bank's reserved mobile phone number and login password, and you can query after logging in.

②Business hall inquiry I go to the relevant bank with my ID card to inquire about my bank account information.

③Customer service inquiry: Use the mobile phone number reserved by the bank to call the bank's customer service number, then transfer to manual service, and quote the ID number registered on your card at the time to query the bank.

4. What is the interest rate of Postal Bank?

The current deposit interest rate is 0.3, the three-month deposit interest rate is 1.35, the six-month deposit interest rate is 1.56, and the one-year deposit interest rate is 1.78, the two-year deposit interest rate is 2.25, the three-year deposit interest rate is 2.75, and the five-year deposit interest rate is 2.75.

5. How to check the postal account bank

①Telephone inquiry. The customer service hotline is 95580. You only need to provide the ID card information and name of the household head, as well as the Postal Savings Bank card account number, and you can check the account opening bank information.

② Go to the counter of any bank branch to inquire. Go directly to the local Postal Savings Bank of China counter for consultation. You usually need to provide your ID card information and China Postal Savings Bank card to obtain the specific account opening bank information.

③Postal Savings Bank of China online banking inquiry.

What are the uses of Postal Savings Credit Card points?

During the period of holding the card, the Postal Savings Credit Card earns one point for every RMB spent. The accumulated points can be used to redeem point products, Gift certificates or related value-added services. Supplementary cards do not accumulate points separately, and the points earned are automatically combined and credited to the main card account.

1. Points are automatically aggregated

When a cardholder holds multiple main credit cards, the points of each card are calculated according to the rules of each card product and are stored uniformly in the name of the cardholder. It is valid within the validity period of the main credit card. Points generated by the original credit card will become invalid when the card is cancelled.

2. Points redemption

Cardholders can log in to the Points Mall website to query points and redeem points. They can also use the "points installment" method to purchase goods in installments. The points can be used up to 50 total product price, please refer to the website help center for specific points reward details.

Extended information:

1. The following transactions on the UnionPay network do not accumulate points:

Real estate, car sales, wholesale, school, and withholding Payment, tobacco settlement, insurance, hospital health, logistics and warehousing, public institutions, cash withdrawal transactions, repayment transactions, various interest and handling fees, electronic cash transfer and electronic cash consumption, manual adjustment Accounting, returns, reversal transactions, disputed transactions and other handling fees stipulated in the contract.

2. Special Card Product Regulations

1. For gold card level principal cardholders and supplementary cardholders, their consumption points will be doubled on their birthdays.

2. Dingya and Dingzhi Platinum Card principal and supplementary cardholders will be rewarded with twice the points for consumption in the month of their birthday, and two times the amount of each installment for bill installments, transaction installments and cash installment transactions. Points will be doubled and points will be deducted when the installment is cancelled.

3. Youth-themed credit cards will reward twice the points for quick online purchases.

4. Zhongyuan Gourmet Card only earns double points for purchases with merchant codes 5441, 5451, 5462, 5811, 5812, 5813, 5814, 7011 and 7012. Other transaction types, merchant types and merchants Codes do not earn points.

Postal Savings Bank of China - Point Rewards

How to redeem postal points for goods

The redemption method is as follows:

1. First log in on the computer Browser, then enter "China Postal Savings Bank Points Mall", and then select the point pointed by the red arrow in the list to enter.

2. Next, log in to your postal credit card account on the page.

3. Next, select the "Points Mall" pointed by the red arrow.

4. Then select the product that needs to be redeemed and click "Redeem Now" where the arrow points.

Points Rules

1. Points Rewards

(1) During the period of holding the card, you can get 1 point based on the transaction amount of RMB 1 or more in a single transaction. , the part less than 1 yuan is rounded down, and the points will be recorded and effective within T 2 days after the transaction is recorded.

The accumulated points can be used to redeem point products, gift certificates or related value-added services. Supplementary cards do not accumulate points separately, and the points earned are automatically combined and credited to the main card account.

(2) Your consumption on the MasterCard network and VISA network will earn points. The following consumption on the UnionPay network will not accumulate points: real estate, car sales, wholesale, school, and withholding and payment. categories, tobacco settlement, insurance, hospital health, logistics and warehousing, and public sector consumption.

All card products do not accumulate points for the following transactions: cash advance, repayment, overpayment recovery, transfer, pre-authorization, manual adjustment, returns, disputed transactions, online payment (excluding Online quick payment), credit card annual fees, revolving credit interest, cash advance fees and interest, fees derived from overdue payments (such as liquidated damages, interest) and other fees stipulated in the "Receipt Contract" .

(3) Special provisions for card products

1. For gold card level principal cardholders and supplementary cardholders, their consumption points will be doubled on their birthdays.

2. Platinum-level principal cardholders and supplementary cardholders will be rewarded with twice the points for consumption in the month of their birthday, and double the points for each installment of bill installments, transaction installments and cash installment transactions, and the installments will be cancelled. Points will be deducted.

3. Youth-themed credit cards and Rilakkuma-themed credit cards will reward twice the points for quick online purchases. Please log in to check the specific merchant range.

4. Other credit cards (excluding Zhongyuan Gourmet Card, Sharing Card and Golden Leaf Card) will be rewarded with double points for online quick purchases. For details on the scope of online quick merchants, please refer to "Postal Savings Bank of China Credit Card Points Rewards" "Details".

5. Zhongyuan Food Card is only available when the merchant code (POS purchase order merchant number or UnionPay merchant number 8 to 11) is 5441, 5451, 5462, 5811, 5812, 5813, 5814, 7011 and 7012 consumption will earn double points, other transaction types, merchant types and merchant codes will not earn points.

6. The Hebei Youyuan Yizu Co-branded Card will award twice the points for spending at designated co-branded card merchants. For the list of merchants, please refer to the "China Postal Savings Bank Credit Card Points Rewards Detailed Rules".

7. Automatic installment credit card, growth card and Lucky Card will calculate double points when amortizing in installments.

8. All transactions with Sharing Card and Gold Leaf Card are free of points.

9. Xinjiang Huiqin Kapu Card rewards three times the points for each installment of bill installments, transaction installments and cash installment transactions, and points will be deducted when the installment is cancelled.

10. There are no points for consumption in IC card electronic cash accounts.

11. Please refer to the "Postal Savings Bank of China Credit Card Points Rewards Detailed Rules" for the special regulations of China Resources Co-branded Card.

2. Points Inquiry

Your statement will show the new points this month and the total accumulated points. You can also call our credit card customer service hotline, log in to online banking, and "email" Check your points via the "Credit Card" APP or mobile banking.

3. Points are automatically summarized

Points are stored in the name of the cardholder. When the cardholder holds multiple main credit cards, the points of each card are calculated and unified according to the rules of each card product. It is stored in the name of the cardholder. After one or more of the principal cards are cancelled, the points of the original card will not be affected. When the cardholder cancels his account and does not have another principal card in Postal Savings Bank, the points in his name will be cleared. Zero failures.

4. Points validity period

(1) Regular and gold card products: Points generated by customers’ consumption and installments, points credited before 0:00 on February 1, 2021 Valid forever. Starting from 0:00 on February 1, 2021, the new points are valid for 60 months from the month of generation.

(2) The points generated by platinum card products through consumption and installment are valid forever.

How many postal credit card points are equivalent to 1 yuan?

1 point is equivalent to 1 yuan. When you spend at retail merchants that calculate points, you can get 1 point for a single transaction of 1 yuan or more. , parts less than 1 yuan will be rounded off.

Secondly, Postal Savings Bank of China credit card points can be redeemed for a variety of products in the Points Mall. The redemption method is as follows:

1. First log in to the browser on the computer, and then enter "Postal Savings Bank of China Points" "Mall" and then select the point pointed by the red arrow in the list to enter.

2. Next, log in to your postal credit card account on the page.

3. Next, select the "Points Mall" pointed by the red arrow.

4. Then select the product that needs to be redeemed and click "Redeem Now" where the arrow points.

Postal Bank credit cards can accumulate points. The points accumulation has the following rules:

1. Whenever the cardholder uses the credit card to make card purchases and merchant installments, a single transaction of RMB 1 Yuan can earn 1 point. Any less than 1 Yuan will be accumulated by rounding off.

2. For single purchases using Postal Savings Bank credit cards, the points generated by the transaction amount will take effect on the day after the transaction is recorded.

3. Points are valid within the validity period of the main credit card, and the points will remain in the main card account until the account is cancelled.

4. If the original transaction amount is reduced due to consumer returns or disputes, the Postal Savings Bank of China will reduce the corresponding points accordingly.

5. The consumption of the main card and the supplementary card will accumulate points, and the points of the supplementary card will be merged into the main card account.

6. On the birthday of the main cardholder of the gold card, the consumption points of the main card and supplementary card will be doubled.

7. Cash advance, repayment, overpayment recovery, transfer, pre-authorization, manual adjustment, returns, disputed transactions, online payment, credit card annual fee, revolving credit interest, advance loan Points will not be accumulated for transactions such as cash handling fees and interest.

8. Real estate, car sales, wholesale, school, withholding and payment, tobacco settlement, insurance, hospital health, logistics and warehousing, public institutions, etc. Points are not accumulated for consumption. For specific merchant categories that do not count points, you can check the official website of Postal Bank.

So, what are the uses of the points accumulated in the credit card? Points can be redeemed for goods. There are the following ways to redeem points:

1. Postal Savings Credit Card customer service self-service voice service, You can call the Postal Savings Credit Card 24-hour customer service hotline 4008895580 and follow the prompts to redeem credit card points.

2. On the Postal Savings Credit Card points redemption website, cardholders can go to the homepage of the Postal Savings Credit Card points redemption website, enter the user name, password and other information of the Postal Savings Bank personal online banking, enter the points exchange page, and select After you have found your favorite gift, you can directly redeem it or put it in the shopping cart. After confirming the payment, the page will show whether your redemption was successful or failed, and an order will be generated.

This concludes the introduction to PSBC Credit Card Points Redemption and PSBC Credit Card Points Redemption Mall. Have you found the information you need?