How to obtain China Merchants Bank points

1. You can use China Merchants Bank credit card to spend offline. Generally, you will earn 1 point for 1 yuan spent, and 7 points for 1 US dollar spent. On your birthday, Enjoy double points;

2. Earn credit card points by signing in, such as signing in on the China Merchants Bank Credit Card app Palm Life or signing in through the China Merchants Bank Credit Card WeChat official account;

3. You can get extra consumption points by applying for installment shopping with China Merchants Bank credit card;

4. You can get points by recommending relatives and friends around you to apply for China Merchants Bank credit card.

China Merchants Bank Credit Card Points Rules:

1. Our bank’s credit card consumption accumulates points, and 1 point is awarded for every 20 yuan/2 US dollars spent in a single transaction. The points are permanently valid. Points cannot be combined with others. (The points accumulation rules for money deposited into the card are the same);

2. AE Express card points, car card points, Jiuyou card points, Happy card points, World of Warcraft card points, FAW Toyota card points, QQVIP card points, city card points and Thinkpad card points will be combined into CMB credit card points at a ratio of 1:1;

3. The rules for accumulating points for car cards and city cards remain unchanged: you can still get 0.5 times the bonus points, and they will remain valid for 3 years; after the merger, customers can check the points that will expire within half a year through online banking, mobile banking, and the official credit card APP mobile life channel.

4. Airlines co-branded credit cards will earn 1 mile for every RMB 18/USD 2 spent in a single transaction, and ANA co-branded cards will earn 1 mile for every RMB 20/USD 2 spent in a single transaction. The validity period of consumption miles shall be subject to the announcement of the partner.

5. The CMB credit card points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer in each installment (general card consumption will no longer accumulate points), that is, every time the amount automatically credited to the account is reached, RMB 20 accumulates 2 China Merchants Bank permanent points. Generally, the original transaction of swiping the card will no longer accumulate points. Points can be redeemed for platinum value-added service rights, ordinary points products, platinum exclusive point products and other card center store point redemption products.

Overview of the value of credit card points of each bank:

1. Bank of China

The best redemption products for non-co-branded cards of Bank of China are China Southern Airlines Miles and Jingdong Steel_, The redemption ratio of China Southern Airlines miles is 15,000:50, the upper limit is 300,000 miles/year, and the value of 100,000 points is 270 yuan.

2. Agricultural Bank of China

The best non-co-branded redemption product of Agricultural Bank of China is China Southern Airlines miles. The redemption ratio is 20:1, the upper limit is 100,000 miles/year, and the value of 100,000 points is 4.40 Yuan, points can be automatically combined and used when redeeming.

3. Industrial and Commercial Bank of China

The best redemption products for non-co-branded cards of ICBC are phone bills and gas cards. The redemption ratio is 500:1, with no upper limit. 100,000 points are worth 200 yuan. , can be automatically combined and used.

4. China Construction Bank

The best redemption product of China Construction Bank is the Sinopec gas card. The redemption ratio for other non-co-branded cards except car cards is 540:1, with no upper limit, 10 The value of 10,000 points is 180 yuan, which can be manually combined and used through online banking.

5. Bank of Communications

The best redemption product for non-co-branded cards of Bank of Communications except Bai Qilin is water, electricity, coal and phone bills. The redemption ratio is 667:1, and the upper limit is 5% of the order amount. , 100,000 points are worth 150 yuan. In addition, Bai Qilin redeemed 100,000 China Southern Airlines mileage points worth 440 yuan.

6. China Merchants Bank

China Merchants Bank’s classic white best redemption product is China Southern Airlines miles. 100,000 points can be worth 10,670 yuan. Other non-co-branded cards can be redeemed for Starbucks at 799 points/cup. 100,000 points are worth 4,130 yuan, but CMB only costs 1 point for 20 yuan.

7. Shanghai Pudong Development Bank

The best redemption product of Pudong Development Bank is China Southern Airlines miles. The redemption ratio of AE White is 9600:800, and the ordinary card is 48000:800. AE White is worth 100,000 points. 670 yuan, the ordinary card is worth 130 yuan.

8. China CITIC Bank

CITIC Bank’s best redemption product is also China Southern Airlines miles. The redemption ratio for the platinum card with a rigid annual fee is 25:1. 100,000 points are worth 320 yuan, free of charge. The exchange ratio for annual fee platinum cards and gold cards is 50:1, and 100,000 points are worth 160 yuan.

How to get points with China Merchants Credit Card

1. First, you can get points by using China Merchants Bank Credit Card to make purchases offline. Generally, you will get 1 point for 1 yuan spent, and 7 points for 1 US dollar spent. , you can also enjoy double points on your birthday;

2. Earn credit card points by signing in, such as signing in on the China Merchants Bank Credit Card app Palm Life or signing in on the China Merchants Bank Credit Card WeChat official account to earn points;

3. You can get extra consumption points by applying for installment shopping with China Merchants Bank credit card;

4. You can get points by recommending relatives and friends around you to apply for China Merchants Bank credit card.

（Credit card app 7.2.65）

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Repayment methods

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

1. Microbank POS mobile phone Weibanktong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant payment!

2. Transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

4. Convenience store repayment This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, use There is no handling fee for repayment in this way.

5. Over-the-counter repayment Over-the-counter payment refers to the bank cards issued by various networked financial institutions. RMB current deposits and withdrawals can be carried out through the counters of other bank branches registered in the UnionPay exchange center host system. .

6. Xinpaytong repayment "Xinpaytong" smart card swiping phone is an innovative electronic device independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network. product.

7. Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

How to quickly accumulate CMB credit card points? Take a look at these seven methods

Many cardholders don’t know how to quickly accumulate points with China Merchants Bank credit cards. In fact, in addition to the most basic daily consumption, there are many ways to accumulate points, such as getting points by applying for a card, It’s easy to earn points by participating in China Merchants Bank’s points activities, etc. Let’s find out below.

1. Basic knowledge of China Merchants Bank points

Points rules: Earn 1 point for spending 20 yuan or 2 US dollars (no points for less than 19.9 yuan). Points are permanently valid (car cards, City series cards: 1.5 times the points, valid for 3 years; YOUNG card, Sina Weibo card, GQ card One Piece fan card: 2 times the points in the birthday month, with a maximum reward of 2,000 points per household).

Unified points pool: No matter how many cards there are, the points are unified together.

In the end, I maximized my spending through high-end cards.

Book of Heaven: China Merchants Bank’s astronomical list of non-point merchants needs to be checked frequently, and many merchants are entered in the blink of an eye.

The order of repayment: first repay the current bill - then the annual fee, interest and handling fee in the unissued bill - then withdraw the principal (no interest will be charged on the day of withdrawal) - Finally, there are other parts of the outstanding bill.

2. Leg hair card

The card between the leg of lamb and wool is called leg hair card (babies’ nickname). ***25 cards (some say 26):

Young card (two cards, black and white, limited to customers under 30 years old), Weibo card (three cards, gold, pink and black) , GQ card (one, only male customers can apply), city theme cards (up to 19, several friends of Walli have already collected them).

How to play:

You can earn points by borrowing cash in advance (and withdrawing cash) (1 point for 20 yuan). City series cards earn 1.5 times points (20 yuan earns 1.5 points), YOUNG cards, Sina Weibo cards, and GQ cards earn 2 times points in the birthday month (20 yuan earns 2 points, with a maximum limit of 2,000 points per household).

The first cash withdrawal of each month is free of charge, and the maximum cash withdrawal for each card in each calendar month is 10,000 (750 points per month for each city card, 500 points for each of the 7 other cards, and 500 points per month for the birthday month) 2000 points more).

Some ATMs can withdraw cash up to 10,000 yuan in a single transaction (the first transaction is free of charge). If you collect 1 GQ card, 2 Young cards, 3 Weibo cards and 6 , you can withdraw 3,000 points every month and 38,000 points every year (2,000 points more in your birthday month). A city card is worth 750 points per month and 9,000 points per year. Multiple cards can be added up. Is it still difficult to score points?

The China Merchants Bank Mobile Life APP also gradually allows you to withdraw 10,000 yuan in a single transaction (no need to go to the ATM). Although it shows that a 100 yuan handling fee is required, it will not actually be charged.

If you withdraw money on the same day, there will be no interest on the same day (the handling fee has been waived). It is best to withdraw cash after the bill date and before the repayment date, and pay all the bills that have been issued and unpaid bills first (because the repayments are in order).

But it really doesn’t take perseverance to play with leg hair cards.

3. Get points when you apply for a card: 25,000 points as a first-time gift

Available for both Diamond Card and American Express Centurion Platinum Card.

4. Spending multiple times in the birthday month and on the birthday day

If you use the leg hair card to withdraw cash, you will get 2,000 more points in the birthday month.

On your birthday (can be modified), of course you will get 10 times the points on Classic White (1 point for 2 yuan, upper limit 10,000 points). One main card and two free supplementary cards, 10 times the points on the birthdays of 3 people. Spend 22,240 yuan to get 11,100 points, 33,300 points for three people, and the annual fees of 10,000 points, 5,000 points and 5,000 points are deducted respectively, and you still earn 13,300 points.

5. Various points activities

1. Introduce card application. Successfully introduce one person and get 1,000 points, and more rewards will be given for more referrals. Long term.

2. Get cash advance and cash installment points.

3. Renew your card and get points.

4. Bind the official WeChat account and Palm Life APP to receive points.

5. Bind ApplePay, HUAWEIPay, and Xiaomi to get points.

6. Get points by adding a full-currency card.

7. Receive points for overseas consumption.

Please download the Palm Life APP, all kinds of points activities are in "My - Activities. Rewards".

6. There are points for Alipay, JD.com and Baidu payments

No points for Tenpay and UnionPay payments.

7. Daily consumption

1.5 times points for car cards and city series cards.

Please note that the points for cash withdrawal with the car card are 1.5 times, but the handling fee is not waived.

How to obtain China Merchants Bank points

First of all, there are roughly four ways to obtain CMB points. The main methods are to obtain points by swiping credit cards, to obtain points by signing in, and to obtain points in installments by shopping in online malls. Recommended ways to get points for applying for a card.

Points obtained by swiping cards are mainly obtained by swiping cards in offline physical stores. The number of points obtained through this method of obtaining points is mainly related to the amount of consumption. The more consumption, the higher the points.

There are two main ways to get points by signing in. One is to get points by signing in on the CMB Credit Card app Palm Life, and the other channel is to follow the CMB Credit Card WeChat official account on WeChat and enter the sign-in points to get points every day. Get points for signing in. The method of earning points for shopping in installments is on the homepage of the Palm Life app. Scroll down to see the ‘Points Storm’. You can earn certain points by purchasing the products in it and successfully making installments. The way to earn points through recommendation is to recommend people around you to apply for a China Merchants Bank credit card and you can get a certain number of points. Of course, the more points you have, the more rewards you will get.

1. The types of credit cards used in banks are different, so the points awarded are also different. And corresponding points will be awarded when purchasing bank products. Foreign currency transactions or exchange services can also earn points for bank cards, and installment payments will also generate additional points for bank cards. When bank cards charge various interest and handling fees in accordance with relevant regulations, points will not be awarded for transactions such as this. At the same time, bank cards will not earn points for payments made through online banking and telephone banking. It should be noted that the points are not unlimited. In each bill cycle, there is a cap on the points for consumer transactions with the bank.

2. For customers who have opened the bank’s SMS inquiry service, they can learn about their credit card points through SMS inquiry. At the same time, you can also log in to the bank's official website and check the credit card's points limit on the points redemption page. And all major banks have a phone point inquiry service, so customers can also call the bank's customer service number to inquire about points.

Operating environment: iPhone1114.7 China Merchants Bank 5.9.0 Micro 8.0.16

How to obtain China Merchants Bank credit card points

First use China Merchants Bank credit card offline Earn points by swiping your card for consumption. Generally, you will earn 1 point for 1 yuan spent, and 7 points for 1 US dollar spent. You can also enjoy double points on your birthday; 2. Earn credit card points by signing in, such as signing in on the China Merchants Bank Credit Card App Palm Life or Earn points by signing in to the China Merchants Bank Credit Card WeChat official account; 3. Apply for installment shopping with China Merchants Bank Credit Card to earn additional consumption points; 4. Recommend relatives and friends around you to apply for China Merchants Bank Credit Card to earn points.

: The most common method is to swipe your card. It should be noted that not all card swiping behaviors are rewarded with points. Generally, each bank will announce the range of credit card swiping points. Sometimes China Merchants Bank will also cooperate with WeChat, Alipay, etc. When paying through these methods, you can get double points and other different rewards when using a CMB credit card. Swiping the card on your birthday also earns you double points rewards. Follow the "China Merchants Bank Credit Card" official account on WeChat and you can sign in every day to get points, usually 1 point. Follow the "China Merchants Bank Credit Card" official account in Alipay, and you can also sign in every day to get points. Similar to WeChat, you can generally get 1 point each time.

Use China Merchants Bank credit card to accumulate points for consumption. China Merchants Bank Credit Card has the leading credit card points function in the industry. You can visit the points section of this official website, where there are many point gifts for you to choose from. China Merchants Bank credit card points can also be redeemed for gourmet food, watching movies, and drawing grand prizes. In the month of the cardholder’s birthday, you can also receive special points discounts.

For some designated credit cards, points can also be used to redeem annual fees. For those game enthusiasts, credit card points can also be redeemed for currently popular game gift packages at great value. If you need more information related to "China Merchants Bank Credit Card Points Redemption", please use the "China Merchants Bank Credit Card" official WeChat smart Q&A function. Follow "China Merchants Bank Credit Card" on WeChat and you can use it.

How to earn points with China Merchants Bank Credit Card?

1. The reward points for China Merchants Bank credit card transactions are permanently valid. The points are calculated based on a single consumption. Every 20 yuan in RMB or every 2 US dollars is worth 1 point. The points from multiple cards under my name are combined and accumulated. It will not be reduced due to card expiration, card replacement, loss report, or card type change. Points cannot be transferred or combined with others, and points will not be accumulated for some transactions.

2. The accumulated CMB points for the car card and city-themed gold card series are valid for 3 years, calculated in natural years. The newly added points will be cleared at the end of the third year.

3. The validity period of aviation co-branded card mileage consumption shall be subject to the announcement of the partner.

4. The bonus points obtained by card users from other banks in Palm Life are valid for one year.

5. The validity period of points awarded by some activities is subject to the description of the activity.

6. When redeeming points, the system will give priority to points that are about to expire.