How to calculate Bank of China credit card points

Credit card points accumulation rules for Bank of China cards:

1. According to product accumulation classification:

（ 1) Regular, gold and titanium card products of BOC series credit cards and Great Wall series credit cards accumulate 1 point for every RMB spent (excluding Air China Zhiyin BOC Credit Card);

(2) Platinum series credit cards, Infinite Credit Card, Great Wall Diamond Credit Card, and Great Wall World Elite Credit Card accumulate 1 point for every RMB 1 spent in transactions within 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 accumulates 2 points for every RMB 1 spent in China and other countries and regions.

(4) Air China Zhiyin BOC Credit Card will accumulate 1.5 points for every RMB 1 spent (of which 1 point will be automatically converted into Air China miles as part of the "MileagePlus" program, and 0.5 points will be accumulated into the transaction points account under my name) .

(5) Hold a car card (including Great Wall Global iDrive Credit Card, Shanghai Tong Card, Bank of China Express Credit Card, Bank of China Liaotong Credit Card) at any gas station across the country (the merchant's MCC is 5172, 5541 and 5542 gas merchants) can earn 0.5 points for every RMB spent.

(6) The Great Wall Corporate Business Card will accumulate 1 point for every RMB 25 spent; the Financial Business Card and the Great Wall Corporate Card will accumulate 1 point for every RMB 1 spent.

(7) China Mobile Credit Card Platinum Card accumulates 1.5 points for every RMB 1 spent in transactions within China (excluding Hong Kong, Macao and Taiwan), and double points in other countries and regions.

(8) For all credit cards with automatic points redemption function (such as airline co-branded cards, Ctrip co-branded cards, etc.), their consumption points (unless otherwise specified) will be automatically converted into corresponding points on the monthly statement date. For products or services of partner institutions (such as airline miles, Ctrip gift cards, etc.), the redemption ratio is subject to the co-branded card rules; its marketing points will not be automatically redeemed, and cardholders can actively redeem them through the Bank of China points redemption channel. The redemption rules The points redemption channel announcement shall prevail.

No transaction points will be accumulated for purchases of less than 1 yuan with the above credit cards.

2. Classification according to foreign currency accumulation:

(1) For credit cards in U.S. dollar currency, the ordinary card, gold card, and titanium card grade products accumulate 7 points for 1 U.S. dollar spent. Series credit cards, unlimited credit cards, Great Wall Diamond Credit Card, Great Wall World Elite Credit Card, and Great Wall American Express Private Bank Credit Card grade products accumulate 14 points for every dollar spent.

(2) For credit cards in Japanese yen currency, for regular card, gold card, and titanium card level products, 1 point will be accumulated for every 14 yen spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Credit Cards Earn 2 points for every 14 yen spent on Zhiji Credit Card and Great Wall American Express Private Bank credit card products.

(3) For credit cards in euro currency, the ordinary card, gold card, and titanium card products accumulate 7 points for every euro spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Extreme Credit cards and Great Wall American Express Private Bank credit card-level products accumulate 14 points for 1 euro spent.

(4) For credit cards in the pound currency, the ordinary card, gold card, and titanium card grade products accumulate 10 points for every pound spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Extreme Credit cards and Great Wall American Express Private Bank credit card-level products accumulate 20 points for every ￡1 spent.

(5) For credit cards in Australian dollar currency, the ordinary card, gold card, and titanium card products accumulate 5 points for every Australian dollar spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Earn 10 points for every Australian dollar spent on Zhiji Credit Card and Great Wall American Express Private Bank credit card products.

(6) For credit cards in Hong Kong dollar currency, the ordinary card, gold card, and titanium card level products will accumulate 1 point for every HK dollar spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Ultimate Credit Cards Credit cards and Great Wall American Express Private Bank credit card-level products will accumulate 2 points for every HKD spent.

(7) Spending US$3 with the Great Wall Corporate Business Card accumulates 1 point.

3. Installment payment business accumulation rules:

When the Bank of China (Great Wall) series credit card installment payment transactions are deducted from the account in each installment, points will be generated based on the installment amount. 1 RMB accumulates 1 point; if the customer applies for one-time repayment in advance, points will be generated based on the amount of the one-time repayment.

4. The following items will not accumulate transaction points:

(1) Various interests and handling fees stipulated in the Bank of China Credit Card Articles or Receipt Contract, including but not limited to the credit card annual fees, cash withdrawal fees, overdraft interest, liquidated damages, and other credit card charges;

(2) Credit card transfers, cash withdrawals, deposits (repayments), deductions, payment fees, credit balance returns, Manual order pressing transactions;

(3) Online banking and telephone banking payments, etc.;

(4) Low or zero discount rate and special categories of merchant consumption, including but not Limited to merchant consumption and financial and government payment transactions (such as insurance) in real estate, car sales, wholesale transactions, public hospitals, public schools, junior and senior schools, government services, charities and public institutions, non-profit enterprises and other industries. , fines, investments, bails, taxes, etc.), the above information will be adjusted according to the merchant types of relevant institutions such as UnionPay;

(5) The acquiring institution is set up in accordance with the relevant regulations of China UnionPay and other relevant institutions Consumption at whitelisted merchants with special billing marks, discounts, exemptions, or non-standard billing;

(6) Consumption via card swiping from third-party payment platform merchants;

(7) Consumption at a merchant whose MCC code of the merchant category is not listed in the China UnionPay merchant category code;

(8) Consumption via domestic online transactions with UnionPay brand credit card;

5. Other rules for points accumulation:

(1) There is a cap on points for consumption transactions within the billing cycle: for cards with a credit limit greater than 5,000 yuan, the cap will be 300 of the credit limit, that is, the accumulated points within the billing cycle reach the limit of 300 yuan. No points will be accumulated for domestic consumption transactions with a credit limit of 300 yuan or more; for cards with a credit limit of less than or equal to 5,000 yuan or zero limit, the accumulated points for domestic consumption transactions within the billing cycle will be capped at 15,000 points.

(2) If the goods or services purchased with the card are returned for any reason, or the money is refunded due to billing disputes, or other reasons, Bank of China will deduct the accumulated transaction points at that time.

(3) Participate in the points marketing activities carried out by Bank of China from time to time, meet the activity rules and meet the points accumulation conditions during the marketing activities, and accumulate points according to the amount stipulated in the activity rules.

The above content is for your reference, please refer to actual business regulations.

How to calculate points for credit cards?

Validity period rules for credit card points:

1. Consumption points, except for Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, Great Wall World Elite Credit Cards, Great Wall American Express Private Bank Credit Cards, Except for the National Fitness Card, the accumulation period is one year (from July 1 of each year to June 29 of the next year). The accumulated points are valid for a minimum of two years, and the accumulated points are valid for 24 months. It will expire and be cleared at 24:00 on June 30th. (Example: Points generated during the period from July 1, 2017 to June 29, 2018 will expire on June 30, 2020).

2. The consumption points of Platinum Series Credit Card, Infinity Credit Card, Great Wall Diamond Credit Card, Great Wall World Elite Credit Card, and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.

3. For the points marketing activities carried out by Bank of China, the marketing points will be given to customers who meet the conditions of the activity. The validity period of the given marketing points will be subject to the release of the marketing activity.

4. When a credit card holder cancels the card, the transaction points of the card will be canceled and cleared at the same time. Mutual adjustment of points between credit cards and mutual merging or adjustment of points between different customers are not supported.

The above content is for your reference, please refer to actual business regulations.

The above content is for your reference, please refer to actual business regulations.

How to get credit card points

There are two ways to get credit card points, mainly: swiping the card for consumption and withdrawing cash. For every 20 yuan you spend with your card, you will get one point. If you spend less than 20 yuan, you will get no points. However, there are no points for online payments, group purchases, wholesale transactions, house purchases, car purchases, insurance payments, etc. There is also a way to earn points for cash withdrawals. It is also equivalent to earning one point for 20 yuan, but with the existing handling fees and interest, there will be activities where points will be given as much as the amount is spent, or points will be multiplied.

Credit Card Tip 1: Learn to read bills

Open your credit card statement, which records your monthly expenses in detail. If you cannot read these details well, it will be difficult to know clearly your repayment status. There are many proper nouns on credit card statements, such as cash advance limit, credit limit, current statement date, etc. What everyone needs to know most is the final payment date and minimum payment amount of the current period. The final repayment date of this period is the final repayment period stipulated by the bank. Any repayment beyond this period will be regarded as a breach of contract. The minimum repayment amount refers to the minimum amount to be repaid in this period, which is usually about 5-10% of the total consumption.

Credit Card Tip 2: Make good use of the interest-free period

The interest-free period is how long you can avoid paying bank interest after your credit card is overdrawn. The general interest-free period is divided into two types: the longest and the shortest based on the length of time. The interest-free period of each bank is also different. For example, for credit cards launched by China Merchants Bank, according to online reports, the interest-free period can be up to 50 days. Generally, the card is swiped on the last day of the statement date, so that you can enjoy a longer interest-free period.

Credit Card Tip Three: Learn to Repay Reasonably

After understanding the above two skills, you also need to know how to repay money reasonably. Two repayment methods are recommended here. If you have sufficient funds, you can repay the loan in full on the final payment date. This is the first method. If you cannot afford so much money temporarily, you can use the second method, which is to pay the minimum repayment amount on the final repayment date. It is recommended that if you are able, you should repay in full. If you are unable to repay in full, you should pay the minimum amount before the final repayment date. This is to protect your personal credit from being affected. Another thing to note is that if you withdraw cash in the current period, you will need to pay back more to offset the interest.

That’s it for the introduction of how to earn points with credit cards.