China Bank Credit Card Points Calculation Rules:
1, BOC Credit Card, Great Wall Credit Card, Puka, Gold Card and Titanium Card can accumulate "BOC Points 365" bank card consumption points 1 minute for every consumption of RMB (except BOC Credit Card of Air China Zhiyin).
2. For credit cards with platinum level and above in China (excluding Hong Kong, Macao and Taiwan), for every RMB 65,438 spent in 0 yuan, the accumulated "BOC points 365"1points, and for every RMB 65,438 spent in other countries and regions, the accumulated "BOC points 365" 2 points. Among them, Great Wall American Express Private Bank Credit Card spent every 1 yuan in China and other countries and regions, and accumulated 2 points of "BOC points 365".
3. For all credit cards (such as airline co-branded cards) with automatic point redemption function, their bank card consumption points (unless otherwise specified) will be automatically converted into products or services (such as air miles). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can voluntarily redeem them through the points redemption channel of China Bank, and the redemption rules shall be subject to the publicity of the points redemption channel.
4. For credit cards in USD currency, the product consumption of ordinary cards, gold cards and titanium cards is 1 USD, with a total of 7 "BOC points 365" bank card consumption points, and the consumption of credit cards with platinum level or above is 1 USD, with a total of 14 "BOC points 365" bank card consumption points.
5. For credit cards in yen currency, the consumption of ordinary cards, gold cards and titanium cards is 14 yen, and the accumulated "BOC points 365" bank card consumption points 1 minute, and the consumption of credit cards above platinum level is 14 yen, and the accumulated "BOC points 365" bank card consumption points are 2 points.
6. For credit cards in euro currency, the product cost of ordinary cards, gold cards and titanium cards 1 euro accumulated 7 points of "BOC points 365" bank card consumption points, and the credit card cost of platinum level and above 1 euro accumulated 14 points of "BOC points 365" bank card consumption points.
7. GBP credit card, product consumption of ordinary card, gold card and titanium card 1, accumulated "BOC points 365" bank card consumption points 1, credit card consumption above platinum level1,accumulated "BOC points 365" bank card consumption points 20.
8. Australian dollar credit card, ordinary card, gold card and titanium card product consumption 1, accumulated 5 points of "BOC 365" bank card consumption points, credit card consumption above platinum level 1, accumulated 10 points of "BOC 365" bank card consumption points.
9. For credit cards in Hong Kong dollars, ordinary cards, gold cards and titanium cards cost 1 Hong Kong dollars, and accumulated "BOC points 365" bank card consumption points 1 Hong Kong dollars, and platinum-level or above credit cards cost 2 Hong Kong dollars.
10. If you spend $3 with the Great Wall Enterprise Business Card, you will accumulate "BOC points 365" bank card consumption points 1 minute.
1 1. Credit limit for consumer transactions during the billing period: credit with a credit line of more than 5,000 yuan will be capped at 300% of the credit line, that is, domestic consumer transactions that have accumulated more than 300% of the credit line during the billing period will not accumulate "BOC Points 365" credit card consumption points; For cards with a limit of less than or equal to 5,000 yuan or zero, during the billing period, the accumulated "BOC points 365" credit card consumption points reached 1.5 million.
12. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, Bank of China will deduct the accumulated "BOC Points 365" bank card consumption points at that time.
Tips: The specific points accumulation rules of each credit card shall be subject to the publicity of product rights and interests; If the credit card spending is less than 1 yuan, the "BOC points 365" bank card spending points will not be accumulated.
The above contents are for your reference. Please refer to the actual business regulations.
What are the credit card points rules of China Bank?
China bank card credit card points accumulation rules:
1. By cumulative product classification:
(1) Accumulate 1 points for every 1 yuan spent on BOC series credit cards and Great Wall series credit cards (except BOC Credit Card of Air China Companion);
(2) Platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards and Great Wall World Pole credit cards will spend RMB 1 point in China (excluding Hong Kong, Macao and Taiwan), and double points in other countries and regions.
(3) The Great Wall American Express Private Bank Credit Card has accumulated 2 points for every 1 yuan spent in China and other countries and regions.
(4) Accumulate 1 .5 points for every RMB 1 yuan spent by Air China Yin Zhi Bank of China Credit Card (where1points will be automatically converted into Air China miles as the "Future Wan Li" plan, and 0.5 points will be accumulated in my trading points account).
(5) If you spend 1 yuan at any gas station in China (refueling merchants with MCC of 5 172, 554 1 5542), you can get 0.5 points.
(6) Accumulated 25 yuan RMB 1 point per consumption of Great Wall Enterprise Business Card; Financial business card and Great Wall unit card cost 1 RMB +0 points.
(7) For every RMB 1.5 yuan spent by Platinum Card of China Mobile Credit Card in China (excluding Hong Kong, Macao and Taiwan), the accumulated points are 1.5, and the points of other countries and regions are doubled.
(8) All credit cards (such as airline co-branded cards and Ctrip co-branded cards). ) With automatic point redemption function, it will automatically convert its consumption points (unless otherwise specified) into products or services (such as air miles, Ctrip gift cards, etc.). ) the corresponding cooperative institutions, the redemption ratio shall be subject to the joint card rules; Its marketing points will not be automatically redeemed, but cardholders can actively redeem them through BOC points redemption channels, and the redemption rules shall be subject to the publicity of points redemption channels.
The above credit card spending is insufficient 1 yuan, and the transaction points will not be accumulated.
2. According to the cumulative classification:
For credit cards in (1) USD currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 USD, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 USD.
(2) For credit cards in yen currency, the total consumption of ordinary cards, gold cards and titanium cards is 14 yen, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 14 yen.
(3) For credit cards in euro currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 euro, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1euro.
(4) For credit cards in sterling currency, the total consumption of ordinary cards, gold cards and titanium cards is 1, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is 1, with points of 20.
(5) For credit cards in Australian dollar currency, the total consumption of ordinary cards, gold cards and titanium cards is 1 Australian dollar, while the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is1Australian dollar.
(6) Hong Kong dollar credit cards, the total consumption of ordinary cards, gold cards and titanium cards is HK$ 65,438+0, and the total consumption of platinum series credit cards, unlimited credit cards, Great Wall Diamond credit cards, Great Wall World Pole credit cards and Great Wall American Express private bank credit cards is HK$ 65,438+0.
(7) The consumption of the official card of Great Wall Enterprise is USD 3 1 point.
3. Cumulative rules for installment payment business:
When the installment transaction of BOC (Great Wall) series credit cards is deducted from the account, points will be generated according to the recorded installment amount, and the accumulated points will be 1 minute per RMB; If the customer applies for one-time repayment in advance, points will be generated according to the recorded one-time repayment amount.
4. The following items will not accumulate trading points:
(1) Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, liquidated damages and other credit card fees;
(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, agency payment, credit balance return and manual bill pressing transactions;
(3) online banking and telephone banking payment;
(4) Low discount rate or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, primary and secondary schools, government services, charities and public utilities, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, tax payment, etc.). ), the above information will be produced according to the types of merchants of UnionPay and other related institutions.
(5) The acquiring institution has set up a white list of special billing marks, preferential categories, relief categories or non-standard billing according to the relevant norms of China UnionPay and other relevant institutions;
(6) Credit card consumption of merchants in third-party payment platforms;
(7) Merchant consumption for which MCC code of merchant category is not included in China UnionPay merchant category code;
(8) Consuming UnionPay brand credit cards through domestic online transactions;
5. Other rules of integral accumulation:
(1) Credit limit for consumer transactions during the billing period: for cards with a credit limit exceeding 5,000 yuan, the credit limit is capped at 300%, that is, domestic consumer transactions with a cumulative credit limit exceeding 300% during the billing period will not accumulate points; For cards with a limit of less than or equal to 5,000 yuan or zero, the accumulated points of domestic consumption transactions during the billing period will reach 1.5 million.
(2) If the goods or services purchased by credit card are returned for any reason, or the money is returned due to signing disputes or other reasons, China Bank will deduct the accumulated trading points at that time.
(3) Participate in the integral marketing activities carried out by China Bank from time to time. During the marketing activities, those who meet the activity rules and meet the conditions of point accumulation shall accumulate points according to the amount specified in the activity rules.
The above contents are for your reference. Please refer to the actual business regulations.
How to calculate credit card points?
Different banks have different rules for calculating credit card points. Here are a few banks:
1. Points Rules of China Merchants Bank
Credit card spending will be scored every time it reaches 20 yuan, and less than 20 points will not be scored.
2. Consumption points of China Construction Bank
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
3. Agricultural Bank consumption point
Credit card spending 1 RMB can accumulate 1 points, and spending 1 USD can accumulate 8 points.
Credit card points are very useful. Here are some common places:
1. Redeem gifts. You can go to the bank where your credit card is opened, official website, and find the option of credit card points, then you can see the gifts with redeemable points. In addition to physical objects, there will be some goods, experiences and so on.
2. integral mall exchanges gifts. You can exchange gifts at the mall. In banks, cooperative merchants can exchange points for goods or deduct a certain amount. Businesses such as Starbucks often have such credit card points redemption activities.
3. Integral oil change, such as the integral oil change of CCB Longka automobile card, belongs to the card type of CCB credit card oil card, and the integral of automobile card is generally oil change. The owner's card can also be used to change oil or toll.
4. Redeem air miles. Some credit card points can be directly converted into airline miles, and the mileage converted from points can be used when you are on a business trip or traveling.
Some credit card points can also be directly exchanged for annual fee reduction.
How to get credit card points:
1. If you want to get credit card points, you need to spend more by swiping your card. Generally, all bank credit card offline consumption will accumulate points; However, only some banks will calculate the points of online consumption; If you want an accurate answer, you can call the bank. Note: The consumption of merchants in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and charitable social services is not counted.
2. Participate in bank activities. Banks launch a series of activities aimed at credit cards every year. At this time, consumption will get more points, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.
Banks usually launch some special activities on cardholders' birthdays. As long as we seize this opportunity of consumption, we can get good points, and some birthdays can consume 5 times the points, which is still relatively strong.
Credit card points generally have a validity period, during which they can be exchanged for various commodities. If the validity period is exceeded, the credit card points will be cleared, so you should always pay attention to the validity period of the points while saving the points. You can call the bank to inquire about the expiration date.
When using a credit card, if the consumption is cancelled, the points generated will also be deducted, and the credit card repayment will pay the revolving credit interest, but the annual fee, late fee and installment fee will not generate points.
So much for the introduction of credit card points.