I. Cumulative range of trading points
1. The overseas settlement line is used for credit card settlement, and the overseas merchants (including Hong Kong, Macao and Taiwan) are used for UnionPay settlement.
2. For the credit card domestic UnionPay POS consumption, the merchants with accumulated transaction reward points include comprehensive retail and professional retail, accommodation, catering, leisure and entertainment, direct selling merchants and finance;
Two. Merchant types that do not accumulate transaction reward points
Including real estate, education, health, welfare and other government services, residential services and commercial services, wholesale merchants, supermarkets, gas stations, cars.
Credit card recharging the fuel card is within the range of not accumulating transaction reward points, so it makes no sense to recharge the fuel card with credit card.
Extended data:
Credit card online transactions in designated merchants can accumulate transaction reward points, other online transactions do not accumulate transaction reward points, subject to the announcement of the Bank of official website. Merchants who apply the special charging rules of UnionPay do not accumulate trading reward points, and the identification of special charging merchants is based on the parameter data of China UnionPay merchants.
For related expenses withheld and remitted, annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue payment (such as liquidated damages and interest) and other expenses agreed in the credit card collection contract of China Merchants Bank, trading reward points will not be accumulated.
Cash transactions such as credit card advance cash and cash loan do not accumulate transaction reward points. Other zero-rate or low-rate merchants do not accumulate trading reward points. For details, please refer to the list of sporadic merchants without points published by Bank official website.
China Merchants Bank-Individual User Points Award Scheme