Points and cashback, credit facilities.

1. Points and cash back: Cardholders can accumulate corresponding points when using CMB Koi Card for consumption. These points can be redeemed for gifts, air tickets, hotel accommodation, etc. on China Merchants Bank's point redemption platform. They can also be used to offset credit card bills or perform cashback operations to help cardholders save money.

2. Credit convenience: As a credit card, the CMB Koi Card has the function of credit payment, which can facilitate cardholders to make consumption and payments at various merchants and online platforms. At the same time, cardholders can flexibly manage consumption and repayment through the installment payment service provided by China Merchants Bank based on their personal credit status.