What's with the credit card points? What are the benefits?

Credit card points are additional products for your credit card consumption. If you have more points, you can go to integral mall of this bank to exchange gifts.

Main sources of points:

1. Card opening. Many banks will give you certain points once you activate the credit card and use it once.

2. If you take a card to spend money or go to an ATM to withdraw money, you will get points. However, in wholesale markets and other discount rate POS machines or public welfare institutions such as hospitals and schools, you won't get points when you swipe your card, which is used to charge phone bills, or to charge money for Taobao Alipay.

Some banks earn one point in 1 yuan, some earn one point only when they spend 1 yuan, and some double or triple points when they engage in activities, but it's actually the same, because the value of each point is different.

the benefits of credit card points (more common).

1. Redeem gifts. You can go to the bank of your credit card, official website, to find the option of credit card points, and you can see the points prices of some commodities and commodities redeemed by points. Of course, every bank's goods may be different. In addition to physical objects, there will also be some goods, experiences and so on.

2. The points can be converted into some consumption money, or you can go to the mall to exchange gifts. In short, this part of the exchange is provided by the merchant, and the merchant has the final say. Points are paid in cash, which is a new way in recent years. In bank cooperative stores, there will be exchanges, and points can be used as cash to buy things. For example, it can be exchanged in some department stores, such as New World Department Store and Starbucks. However, in general, it depends on the types of credit cards. Some credit cards can be exchanged for a lot, while others are less.

3. Redeem mileage. Some credit card points can be directly exchanged for miles, but generally you need to be a VIP user of the airline. Miles redeemed for points can be used when you are on a business trip or traveling.

4. integral oil change, for example, the integral oil change of CCB Longka automobile card belongs to the card type of CCB credit card oil card, and the integral is generally oil change. The owner's card may also be exchanged for oil or tolls. For example, the conversion ratio of car card points for oil change is: the part above 5, points (excluding) is calculated as 4‰ (that is, the part above 5, points is converted into 4 yuan refueling fee every 1, points), and the part below 5, points is converted into 2 yuan refueling fee by 2‰ (that is, every 1, points).

how did BOC get credit card points?

Rules for calculating credit card points of China Bank:

1. For the products of BOC series credit cards, Great Wall series credit cards, such as Puka, Gold Card and Titanium Card, every time you spend RMB in 1 yuan, you will accumulate 1 point of "BOC Points 365" bank card consumption points (except BOC Credit Card of Air China Zhiyin).

2. When a credit card with platinum rating or above is traded in China (excluding Hong Kong, Macao and Taiwan), it will accumulate 1 "BOC Points 365" bank card consumption point for every RMB spent in 1 yuan, and 2 "BOC Points 365" bank card consumption points for every RMB spent in 1 yuan in other countries and regions. Among them, Great Wall American Express Private Bank Credit Card accumulated 2 points of "BOC Points 365" for every 1 yuan RMB spent in China and other countries and regions.

3. For all credit cards (such as airline co-branded cards) with automatic points redemption function, their bank card consumption points (unless otherwise specified) will be automatically redeemed for products or services (such as air miles) of the corresponding cooperative institutions on the billing date of each month, and the redemption ratio shall be subject to the rules of co-branded cards; Its marketing points will not be automatically redeemed, but cardholders can actively 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 with US dollar currency, for ordinary cards, gold cards and titanium cards, 7 points of "BOC 365" bank card consumption points are accumulated for every US dollar spent, and 14 points of "BOC 365" bank card consumption points are accumulated for credit cards with platinum level or above.

5. For credit cards with yen currency, for ordinary cards, gold cards and titanium cards, if they spend 14 yen, they will accumulate 1 point of "BOC Points 365" and 2 points of "BOC Points 365".

6. For credit cards with euro currency, the ordinary card, gold card and titanium card products spend 1 euro to accumulate 7 points of "BOC Points 365" bank card consumption points, and credit cards with platinum level or above spend 1 euro to accumulate 14 points of "BOC Points 365" bank card consumption points.

7. For credit cards with sterling currency, for ordinary cards, gold cards and titanium cards, 1 points of "BOC Points 365" will be accumulated for spending 1 pound, and 2 points of "BOC Points 365" will be accumulated for spending 1 pound on credit cards with platinum level or above.

8. For credit cards with Australian dollar currency, for ordinary cards, gold cards and titanium cards, 5 points of "BOC Points 365" will be accumulated for spending 1 Australian dollar, and 1 points of "BOC Points 365" will be accumulated for spending 1 Australian dollar for credit cards with platinum level or above.

9. For credit cards with Hong Kong dollar currency, the ordinary card, gold card and titanium card products will accumulate 1 point of "BOC 365" bank card consumption points for spending 1 Hong Kong dollar, and 2 points of "BOC 365" bank card consumption points for spending 1 Hong Kong dollar for credit cards with platinum level or above.

1. If you spend $3 with the Great Wall Corporate Business Card, you will accumulate 1 point of "BOC Points 365" bank card consumption points.

11. Consumer transaction points are capped during the billing period: for credit with a credit limit of more than 5, yuan, it is capped at 3% of the credit limit, that is, domestic consumer transactions that have accumulated more than 3% of their credit limit during the billing period will not accumulate "BOC Points 365" credit card consumption points; For cards with a quota of less than or equal to 5, yuan or zero, the accumulated "BOC Points 365" credit card consumption points in domestic consumption transactions during the billing period will reach the maximum of 15,.

12. If the goods or services purchased by credit card are returned for any reason, or the money is returned due to bill 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 product rights announcement; Credit card consumption is insufficient. 1 yuan does not accumulate "BOC points 365" bank card consumption points.

the above contents are for your reference. please refer to the actual business regulations.

How to get points from China Merchants Credit Card

You can get points from China Merchants Credit Card in the following ways:

1. You can get points by swiping the card. Credit card consumption of China Merchants Bank accumulates points, with one point for each single consumption of RMB 2/USD 2, and the points for supplementary card consumption are accumulated under the main card account. If you swipe your car card or city card to accumulate points, you can get .5 times of free points, valid for 3 years. Aviation co-branded credit card, a single consumption of RMB/USD 2 in 18 yuan will accumulate 1 consumption mileage, and ANA co-branded credit card will accumulate 1 consumption mileage for a single consumption of RMB/USD 2. The validity period of consumption mileage shall be subject to the announcement of the partner. Some merchants do not accumulate points for consumption, which is subject to the announcement on the official website.

2. Search for points paradise in the Pocket Life APP, and then you can get credit card points through the game. Click "Raise Meow" in the Pocket Life, feed the cat every day, and accumulate certain conditions to redeem points; Pocket life has a "red envelope every day" task. Every day, the task is different. You can complete the task as needed, and generally there will be points given away.

3. You can invite your friends to register and bind any bank card to your pocket life, and you can get credit card points after the invitation is successful;

4. You can recommend your friends to apply for China Merchants Bank's credit card, and you can get credit card points after successful recommendation;

5. You can apply for credit card installment, and you can also receive credit card points after successful installment;

6. You can handle cash withdrawal business, and you can also get credit card points after successful cash withdrawal.

7. For the accumulated points of Zunshang Platinum installment card, double points will be given back according to the automatic installment amount of customers (generally, credit card spending will not accumulate points), that is, two permanent points of China Merchants Bank will be accumulated for every 2 yuan of automatic installment amount, and points will not be accumulated for the original transaction of general credit card spending. Points can be exchanged for platinum value-added service rights, ordinary points products, platinum exclusive points products and store points redemption products in other card centers.

8. Sometimes, China Merchants Bank will cooperate with WeChat and Alipay, and you can get different rewards such as double points when using China Merchants Bank's credit card in these ways. Open the "China Merchants Bank Credit Card" applet on WeChat, and you can get points when you sign in every day. Generally, you can get 3~5 points each time. Pay attention to "China Merchants Bank Credit Card" WeChat official account in Alipay, and you can also sign in every day to get points. Similar to WeChat, you can generally get 1 point every time.

operating environment:

brand model: iPhone13

system version: iOS15.

how to obtain credit card points of China merchants bank

credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. So how to get credit card points of China Merchants Bank?

1. Credit card points of China Merchants Bank can be obtained through these channels: credit card consumption, and the points are calculated according to the amount recorded in a single consumption, and 1 point is accumulated for every 2 RMB /2 USD. Click "Raise Meow" in the palm life, feed the cat every day, and accumulate certain conditions to redeem points. Take part in the "Daily Red Packet" task of Pocket Life, and you will get points for completing the task as needed.

2. You can also get more points by handling the supplementary card, because all points accumulated by consumption under the names of the principal cardholder and the supplementary cardholder belong to the principal cardholder's points account and are only used by the principal cardholder. China Merchants Bank Credit Card has held a variety of bonus activities for a long time, such as recommending relatives and friends to apply for cards to send bonus points. You can pay attention to the handheld life APP and keep abreast of the activity information.

3. When getting points, you need to pay attention to skills, such as choosing shops that can earn points when spending by credit card, because some merchants do not accumulate points for transactions and credit card charges. Details in this respect can be found in the credit card points of China Merchants Bank official website. Points are permanent points and valid points. Generally speaking, cash withdrawal, bill installment, daily consumption and points obtained by recommending friends are permanent points. The points awarded for some activities are valid points, which are subject to the description of the activities.

Last reminder: In the process of accumulating points, pay attention to going to integral mall to exchange your favorite gifts or other benefits, or you can exchange points for annual fees.

How did BOC get the points

You can get the Bank's exclusive points in the following two ways:

1. Daily points: according to the monthly average financial assets of individual high-end customers, a certain amount of points will be returned, and the monthly average financial assets will reach 2, yuan, equivalent to 2,5 personal comprehensive points, reaching 4, yuan and 5, personal comprehensive points, and so on. Financial assets include your deposits in BOC, funds (including consignment points and direct selling funds), wealth management (RMB or RMB), accumulated funds, trust plans, bonds, insurance, etc., as well as the market value of your BOC securities account (including stocks and wealth management products, etc.) where you open a third-party depository account in BOC.

2. Marketing points: You get exclusive points by participating in marketing activities of BOC.

for specific contents and marketing activities, please consult your account manager in detail, or refer to the column of China Bank Wealth Finance WeChat WeChat official account Exclusive Points.

the above contents are for your reference. please refer to the actual business regulations.

How to get credit card points

If you want to get credit card points, you need to spend more by swiping your card. Generally, all offline credit card consumption in banks will accumulate points; However, only some banks will calculate points for online consumption; If you want to get an accurate answer, you can call the bank. Note: points will not be calculated for the consumption of merchants in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools and charity and social services.

1. Participate in the activities of the bank. Every year, the bank will launch a series of activities for credit cards. At this time, consumers will get more points, which will generally be multiplied several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.

2. Banks usually launch some special activities on cardholders' birthdays. As long as they seize this opportunity to spend, they can get good points, and some of them can spend five times as much points on their birthdays, 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 expires, 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 for the validity period. 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, and the annual fee, late payment fee and installment fee will not generate points.

Main features of credit card

① Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation to a certain extent;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit card can promote commodity sales and social demand.

This is the end of the introduction about how to get credit card points and how to look at credit card points. Did you find the information you need?