China Merchants Bank’s birthday gift of 88 points is real. China Merchants Bank does have a birthday gift activity that allows customers to exchange 88 points for a birthday gift on their birthday. This activity is real. But please note that this activity needs to meet certain conditions. Customers need to continuously issue or use China Merchants Bank credit cards in the month of their birthday, and sign in once within one month before the credit card bill date of that month, to be eligible to participate in this event.