How to earn points with Bank of China Credit Card?

Bank of China credit card points calculation rules:

1. BOC series credit cards, Great Wall series credit cards, regular cards, gold cards, and titanium card products accumulate 1 point for every RMB 1 spent." BOC Points 365" bank card consumption points (except Air China Zhiyin BOC Credit Card).

2. For every RMB 1 spent in China (excluding Hong Kong, Macao and Taiwan) with platinum-level credit cards or above, you will accumulate 1 "BOC Points 365" bank card consumption point, and for every RMB spent in other countries and regions, Spending RMB 1 accumulates 2 "BOC Points 365" bank card consumption points. Among them, the Great Wall American Express Private Bank Credit Card accumulates 2 "BOC Points 365" bank card consumption points for every RMB 1 spent in China and other countries and regions.

3. For all credit cards with the function of automatic point redemption (such as airline co-branded cards, etc.), the bank card consumption points (unless otherwise specified) will be automatically converted into points from the corresponding partner institution on the monthly statement date. For products or services (such as airline miles, etc.), the redemption ratio is subject to the rules of the co-branded card; its marketing points will not be automatically redeemed. Cardholders can actively redeem them through the points redemption channel of Bank of China. The redemption rules are announced through the points redemption channel. allow.

4. For US dollar-denominated credit cards, 1 US dollar spent on ordinary card, gold card, and titanium card products will accumulate 7 "BOC Points 365" bank card consumption points, and 1 US dollar spent on platinum-level or above credit cards will accumulate 7 points. Accumulate 14 "BOC Points 365" bank card consumption points.

5. For credit cards denominated in Japanese yen, if you spend 14 yen on ordinary card, gold card, or titanium card level products, you will accumulate 1 "BOC Points 365" bank card consumption point. For purchases with platinum level or above credit cards, 14 yen accumulates 2 "BOC Points 365" bank card consumption points.

6. For credit cards in euro currency, 1 euro spent on ordinary card, gold card, and titanium card products will accumulate 7 points "BOC Points 365" bank card consumption points, and 1 euro spent on platinum-level or above credit cards. Accumulate 14 "BOC Points 365" bank card consumption points.

7. For credit cards in pound currency, 1 pound spent on ordinary card, gold card, and titanium card products will accumulate 10 "BOC Points 365" bank card spending points, and 1 pound spent on platinum-level or above credit cards will accumulate 10 points. Accumulate 20 "BOC Points 365" bank card consumption points.

8. For credit cards in Australian dollar currency, for ordinary card, gold card, and titanium card level products, 1 Australian dollar spent will accumulate 5 points "BOC Points 365" bank card consumption points, and for platinum level and above credit card consumption, 5 points will be accumulated. 1 Australian dollar accumulates 10 "BOC Points 365" bank card consumption points.

9. For credit cards denominated in Hong Kong dollars, every HKD spent on Ordinary Card, Gold Card, and Titanium Card grade products will accumulate 1 "BOC Points 365" bank card spending point. 1 HKD spent on platinum-level or above credit cards will be accumulated. Accumulate 2 "BOC Points 365" bank card consumption points.

10. Holding a Great Wall corporate business card and spending US$3 will accumulate 1 "BOC Points 365" bank card consumption point.

11. There is a cap on consumption transaction points during the billing cycle: for credit with a credit limit greater than 5,000 yuan, the cap is 300% of the credit limit, that is, within the country, the cumulative total of the credit limit reaches more than 300% during the billing cycle. Consumption transactions do not accumulate "BOC Points 365" credit card consumption points; for cards with a limit of less than or equal to 5,000 yuan or zero limit, the accumulation of "BOC Points 365" credit card consumption points for domestic consumption transactions within the billing cycle reaches a maximum of 15,000 points.

12. If the goods or services purchased with the card are returned for any reason, or the money is returned due to billing disputes, or other reasons, Bank of China will deduct the "BOC Points 365" bank card accumulated at that time. Spend points.

Warm reminder: The specific points accumulation rules for each credit card are subject to the product rights announcement; credit card consumption of less than 1 yuan will not accumulate "BOC Points 365" bank card consumption points.

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

How to get credit card points

1. If you want to get credit card points, you need to spend more with your card. Generally, all bank credit cards will accumulate points for offline purchases; however, only some banks will calculate online purchases. Points; if you want to get an accurate answer, you can call the bank to consult.

Note: Points will not be calculated for purchases at merchants in real estate, automobiles, wholesale, hospitals, schools, etc., as well as non-profit industries such as charity and social services.

2. Participate in bank activities. The bank launches a series of activities for credit cards every year. At this time, you will get more points for consumption, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.

3. Banks usually launch some special activities on the cardholder’s birthday. As long as you seize this opportunity to spend, you can get good points. Some can accumulate 5 times the points on purchases on the birthday, which is quite powerful. Big ones.

Credit card points generally have an expiration date, and can be redeemed for various products during the validity period. If the expiration date expires, the credit card points will be reset to zero, so while saving points, you should always pay attention to the validity period and expiration date of the points. You can call the bank to consult.

When using a credit card for consumption, if the consumption is canceled, the points generated will also be deducted, and the credit card repayment will pay revolving credit interest. Annual fees, late payment fees, and installment payment fees will not be incurred. integral.

How to obtain China Merchants Credit Card points

You can obtain China Merchants Credit Card points in the following ways:

1. You can obtain points by swiping your card. For consumption, you can swipe your card with China Merchants Bank Credit Card. To accumulate points, 1 point will be earned for every RMB 20/USD 2 spent in a single transaction. Points from supplementary card purchases will be accumulated in the main card account. When you accumulate points by swiping your car card or city card, you can get 0.5 times bonus points, which is valid for 3 years. For airline co-branded credit cards, every single purchase of RMB 18/USD 2 will earn 1 mile. For ANA co-branded cards, every single purchase of RMB 20/USD will earn 1 mile. The validity period of consumption miles shall be subject to the announcement of the partner. Some merchants do not accumulate points for consumption, please refer to the official website announcement for details.

2. Search for points paradise in the Palm Life APP, and then you can get credit card points through games. Click "Raise Meow" in the Palm Life APP, feed the cat every day, and accumulate points when certain conditions are met. ; Palm Life has a "Daily Red Envelope" task. The tasks are different every day. Just complete the tasks as needed, and points will usually be given away.

3. You can invite friends to register and bind any of your bank cards to Palm Life. After the invitation is successful, you can get credit card points;

4. You can recommend friends to apply for a China Merchants Bank credit card. Credit card points can be obtained after the recommendation is successful;

5. You can apply for credit card installments, and you can also receive credit card points after the installment is successful;

6. You can handle cash withdrawals, and you can also withdraw cash successfully. Earn credit card points.

7. The points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer's account in each installment (general consumption by swiping the card will no longer accumulate points), that is, for every 20 yuan of the amount automatically credited to the account, RMB accumulates 2 permanent China Merchants Bank points, and the original transaction of general card consumption 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.

8. 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 China Merchants Bank credit card. Open the "China Merchants Bank Credit Card" applet in WeChat and you can get points by signing in every day. Generally, you can get 3 to 5 points each time. 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.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

How to obtain China Merchants Bank credit card points

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. So how to get China Merchants Bank credit card points?

1. China Merchants Bank credit card points can be obtained through these channels: swiping the card for consumption. Points are calculated based on the amount of a single purchase, and 1 point is earned for every 20 yuan/2 US dollars. Click "Raise Meow" in Palm Life, feed the cat every day, and accumulate points to redeem them when certain conditions are met.

Participate in the "Daily Red Envelope" task in Palm Life, and you will receive points as a gift if you complete the task as needed.

2. You can also get more points by applying for an additional card, because all the accumulated points for consumption under the name of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and can only be used by the main cardholder. China Merchants Bank Credit Card has long held a variety of points reward activities, such as receiving points for recommending relatives and friends to apply for the card, etc. You can follow the Palm Life APP to keep track of event information.

3. When earning points, you need to pay attention to skills. For example, when swiping a card to make a purchase, try to choose a store that can collect points, because some merchants do not accumulate points for transactions and credit card charges. Specific details in this regard can be found in the credit card points section of China Merchants Bank’s official website. Points are permanent points and points with a valid period. Generally speaking, points obtained from cash withdrawals, bill installments, daily consumption, and recommending friends are permanent points; points awarded in some activities are points with a valid period. For details, please refer to the description of the activity.

Final reminder: In the process of continuously accumulating points, pay attention to going to the points mall to redeem your favorite gifts or other benefits. You can also use points to redeem annual fees.

How to get credit card points

Credit card points can be earned by swiping your card for consumption and participating in bank activities.

1. Swipe more cards and spend more. Swiping your credit card multiple times can help optimize points.

2. Participate in bank activities.

Some banks launch activities to accelerate the accumulation of credit card points at the end of the year, and cardholders can take the opportunity to increase their points.

Each bank will launch credit card "double points", "points gift", "card swiping lottery" and other activities from time to time.

For example: During the GF Sharing Day, the GF Credit Card Center launched the “Golden Egg Smashing” activity to earn points.

Cardholders who successfully recommend relatives and friends to participate in the activity can get the opportunity to smash golden eggs. The more people they refer, the more points or miles they can earn from golden eggs. They can get up to 200,000 GF points, 10 10,000 Ctrip points or 8,000 miles. At the same time, cardholders can also enjoy the points or mileage rewards that the recommended person received from their purchases in the first two months.

Extended information

There are four major categories of credit cards. The purpose of swiping the card cannot be used to earn points normally. It can be said that "swiping is in vain".

The first category is card payment channels with low deduction rates, including car and house purchases, wholesale, etc.

The second category is stored value payment, such as provident fund, tuition fees, various recharges, etc.

The third type of non-points-based transactions are the fees incurred by the credit card itself, including credit card cash withdrawals, interest, various handling fees, etc., as well as some related life account deduction fees, etc., and points cannot be calculated. .

The fourth category is non-points consumption stipulated by each bank. This part of the regulations is relatively vague for each bank.

For example: Among the non-points rules stipulated by ICBC, Article 5 is "Other transactions that are determined not to accumulate points will not accumulate points." Article 4 of Bank of Communications’ no-points rules also stipulates that “other items separately designated by the Bank of Communications Credit Card Center” will not be awarded points.