Is there any credit for online payment by credit card?
In fact, there is no exact regulation on whether credit card online payment has points. First of all, it depends on the payment platform, and then it depends on the bank.
And we all know that there are many online payment platforms. The mainstream ones are WeChat, Alipay, JD.COM and China UnionPay Express, followed by Meituan, Suning and Baidu. Banks have different regulations on whether these platforms can get points through credit card payment and how many points they can get. Here, the online payment points of four mainstream platforms of 12 banks are counted, as follows:
1 Bank of China
As the boss of the bank, Bank of China is generous, and has points for online payment of Alipay, Tenpay, JD.COM and China UnionPay Express. For every RMB 1 spent, it accumulates 1 points.
2 Industrial and Commercial Bank of China
At present, only platforms such as WeChat and JD.COM use credit cards to pay online. Ordinary credit cards accumulate 65,438+0 points for every 65,438+0 yuan spent. If you use ICBC WeChat credit card to pay on WeChat, the integral ratio is 1: 1.5. Alipay and China UnionPay Express have no integral consumption.
3 Construction Bank
Alipay and JD.COM Express Pay have no points; Wechat and China UnionPay Express have payment points, and every time they spend 1 RMB, they accumulate 1 points.
Agricultural Bank of China
Alipay and JD.COM Express Pay have no points; Wechat and China UnionPay Express Pay Point. Ordinary credit cards accumulate 1 points every time they spend 1 yuan, and the mother platinum card is beautifully upgraded to double the points on WeChat, and the monthly limit for business cards is 1.5 times the points.
5 China Merchants Bank
China Merchants Bank Alipay, JD.COM Express Pay, WeChat and China UnionPay Express all have points for online payment, but they are relatively pitted. Every time they spend 20 yuan, they accumulate 1 points, especially WeChat points need to be qualified every month.
6 Bank of Communications
Except for airline and supermarket co-branded cards, other credit cards such as Alipay, JD.COM Express Pay, WeChat and China UnionPay Express Online Payment all have points. For every 1 yuan spent, 1 points can be accumulated.
7 China CITIC Bank
Alipay, Tenpay, JD.COM and China UnionPay Express all have points. Ordinary credit cards accumulate 1 points every time they spend 1 yuan, and I platinum cards double points, with a monthly limit of 1 0,000.
8 Industrial Bank
Wechat and China UnionPay Express have points, then Alipay and JD.COM have points, and Alipay has points. Every time you spend RMB 1 yuan, the accumulated points are 1 minute, and the percentage of points is 1: 1. However, the pass card is limited to 1000 yuan per month, and Taobao is limited to 20,000 yuan per month.
9 Minsheng Bank
Only the payment method of China UnionPay Autoexpress has points, while the other three mainstream platforms have no points, and the proportion of points is 1: 1. Per consumption 1 yuan accumulation 1 points;
10 Shanghai Pudong Development Bank
Alipay, Tenpay, JD.COM and China UnionPay Express all have points, and every time they spend 1 yuan, they accumulate 1 points.
1 1 guangfa bank
Pay with Alipay, Tenpay, JD.COM and China UnionPay Express all have points, and every consumption 1 yuan accumulates 1 points, but the annual limit is 654.38+million.
12 ping an bank
Ordinary credit cards don't have points, but they all have points when using iQiyi co-branded credit cards on four platforms, and the integral ratio is 1: 1. The monthly limit is 5000; In addition, Taobao card Alipay pays points.
It can be seen that each bank has different rules for online transactions. On the whole, major banks accumulate 1 points without spending one yuan. In this respect, China Merchants Bank needs to pass the 20 yuan cumulative 1 points every month, especially the WeChat points.