How to use Industrial Bank points

1. The basic function of credit card points launched by Industrial Bank is that they can be redeemed for Industrial Bank points, a box of gifts or promotions.

2. Currently, there are two ways to redeem Industrial Bank credit card points for gifts. The first way is to log in to Industrial Bank’s credit card points redemption mall. Card holders can log in to the official website of Industrial Bank and go to Points can be exchanged for gifts in the redemption mall.

3. The second way is to use Industrial Bank credit card points to redeem goods. Call the Industrial Bank customer service hotline to redeem. Cardholders can call the Industrial Bank credit card 24-hour customer service hotline, and then select points for the credit card business. Query, after checking the points, select points redemption, follow the corresponding voice prompts, and ask customer service to help us redeem.

4. What we need to remind everyone here is that if there is any violation of laws and regulations such as cashing out when using a credit card, or if the credit card center determines that there is a possibility of cashing out fraud, you will lose your credit card. Eligibility to participate in Industrial Bank credit card points activity.

How to redeem Industrial Bank credit card points

If you want to redeem the points accumulated by Industrial Bank credit cards, customers can directly log in to the "Haoxingdong" APP on their mobile phones and select "Xingdong Mall" ”, click “Points Gifts”, and then select one of the gifts to redeem. There are ways to redeem points directly, and there are ways to redeem points in cash.

In addition to redeeming gifts, credit card points can also be used to redeem airline miles and annual fees. Customers can click "My" on the "Haoxingdong" APP, then click "Points", and then click "Spend Points" to redeem airline miles; they can also call Industrial Bank's customer service hotline 95561 and transfer to manual service. The customer service staff applies for points redemption for annual fees.

Everyone needs to note that the points earned by Industrial Credit Card are valid within the validity period of the card. Also, if you use points for consumption, then 550 points = 1 yuan. So if you use points to purchase goods, a product worth 10 yuan will cost 5,500 points. For credit card purchases and cash advances, you can earn 1 point for every RMB 1 spent and 6.5 points for every US$1 spent.

Validity period of points:

(1) Credit card principal cards newly issued before April 1, 2010 (excluding Industrial Bank Shanghai IPTV BesTV co-branded credit card, Points earned from Century Golden Flower Yipin Lifestyle Co-branded Credit Card, China Low Carbon Credit Card) are valid within the validity period of the credit card. After the card expires and the cardholder renews the card, the points will be automatically extended. After the credit card account is closed or cancelled, the remaining points will be cleared and cannot be restored.

(2) The validity period of the principal credit card points newly issued from April 1, 2010 (inclusive) shall be valid within the validity period of the principal credit card. After the card expires and the cardholder renews the card, the original card points can be retained until 3 natural months after the expiration date of the card. After 3 natural months, the unused points of the original card will be automatically cleared. Points transfer and merging between cards are not allowed within 6 natural months before the expiration of the card until the points are cleared. If the card is not renewed upon expiration, the points will automatically expire after the card expires. After the credit card account is closed or cancelled, the remaining points will be cleared and cannot be restored.

(3) The points validity period of Industrial Bank Shanghai IPTV BesTV co-branded credit card, Century Golden Flower Yipin Lifestyle co-branded credit card, and China Low Carbon Credit Card are valid within the validity period of the main credit card. After the card expires and the cardholder renews the card, the original card points can be retained until 3 natural months after the expiration date of the card. After 3 natural months, the unused points of the original card will be automatically cleared. Points transfer and merging between cards are not allowed within 6 natural months before the expiration of the card until the points are cleared. If the card is not renewed upon expiration, the points will automatically expire after the card expires. After the credit card account is closed or cancelled, the remaining points will be cleared and cannot be restored.

How to redeem Industrial Bank credit card points.

How to redeem Industrial Bank credit card points

1. SMS redemption: edit the text message and send it to the number designated by the bank that issued the card, and then you can redeem the product;

2. Points offset: When spending money at merchants of the bank where the card is issued, you can use points to offset cash consumption;

3. Online redemption: Enter the credit card online club mall of the bank where the card is issued to redeem;

4 , Redeem by phone: Dial the designated service hotline of the issuing bank to redeem;

For self-service voice redemption, dial the 24-hour customer service hotline 95561, press 1 [Credit Card Business], then press 5 [Points Inquiry], and then press 2 [Points Redemption], follow the voice prompts.

5. Go to the designated branch of the issuing bank to redeem.

The process of redeeming Industrial Bank credit card points for products

1. After customers enter the homepage of the points mall, they can start browsing products;

2. If you want to make online purchases To redeem, you first need to log in to the points mall, otherwise you can only browse the products, but cannot actually redeem the gifts;

3. When you log in to the points mall, you can add the selected gifts to your shopping cart , you can also collect the gift;

4. After you complete the gift selection, you can enter the checkout counter and confirm the payment at the checkout counter.

5. After the payment is confirmed at the cashier, you need to submit the order. At that time, the system will deduct the corresponding points from your credit card based on your redemption application;

6. Complete the above After a series of operations, you will receive the gift you redeemed within 1 month.

Objects of the points activity:

(1) The objects of the points activity are the principal cardholders of Industrial Bank credit cards.

(2) Industrial Bank credit card holders who have any of the following circumstances will not participate in the points activity:

1. The credit card has been canceled or deactivated;

2. The credit card has been controlled;

3. The credit card is overdue for more than 30 days;

4. The credit card holder violated the "Industrial Bank Credit Card Use Agreement";

Industrial Bank - Points Redemption Rules

Where to redeem Industrial Bank points

1. Open the official Industrial Bank Credit Card APP Haoxingdong, log in and enter the homepage, click on the homepage "Xingdong Mall".

2. Enter the page and select "Points Gifts".

3. After entering the page, select "Gift Redemption" to enter the points mall to redeem and select the items you like.

Industrial Bank credit card points rules: 1 point for every RMB 1 spent on spending and 6.5 points for every USD 1 spent; points earned by supplementary cards will be credited to the main card account. The upper limit for a single point transaction is 100,000 points (including various multiple points activities and ordinary transaction points). You can earn twice the points for spending overseas with the Standard Platinum Card.

Not all purchases when using Industrial Bank credit cards will earn points. For example, airline co-branded credit card holders will earn points at supermarkets, gas stations, home appliances, and jewelry merchants (category codes are 5541, 5542, 5411, and 5722). , 5094) transactions that occur do not count towards credit card points. Points will not be generated for purchases made at specific merchant categories.

Industrial Bank credit cards must be returned on time after daily use. Overdue repayment is not allowed, because penalty interest will accrue after overdue payment, and the longer the period, the greater the penalty interest. It is worth mentioning that overdue credit card repayments will be uploaded to the credit reporting center. When the credit reporting becomes bad, it will affect the subsequent processing of various loans, such as car loans or real estate credit cards: including standard cards, theme cards, co-branded cards, and approval cards. There are five major series of cards and corporate cards, including more than 50 personalized products such as domestically pioneered low-carbon credit cards, couple cards, constellation cards, platinum cards, debit and credit cards, and Taobao co-branded cards. The cumulative number of cards issued has exceeded 13 million. It has many special functions such as points consumption (that is, cardholders can use points to deduct consumption payments at cooperative merchants), consumption/bill installments (that is, a single consumption amount or the amount of consumption that has been billed can apply for installment repayment) and other special functions throughout the year. Numerous customer feedback promotions from time to time.

With "customers" as the center, we will follow changes in the market situation, innovate financial products, improve platform construction, and form a diversified product system covering personal asset business, liability business, payment settlement and comprehensive financial management to fully meet the needs of customers. Customer individual needs.

Asset management business: Relying on professional operating institutions and subsidiaries such as trusts, funds, and asset management, we have built an asset management business platform with a complete structure and complete functions, becoming one of the very few companies in China that has a full license for asset management business. The bank has formed a series of financial products with complete product categories, relatively diverse structures, and covering the needs of various customers in various channels. Its comprehensive financial management capabilities are among the best in the industry. .

This ends the introduction on how to redeem Industrial Credit Card points and how to redeem Industrial Credit Card points for gifts. Did you find the information you need?