If you use China Merchants Bank's credit card to spend RMB, you can get 1 points for a single transaction of RMB 20, and 1 points for a single transaction of RMB and USD in 2 yuan. The points generated by the consumption amount will take effect on the day after the bank bookkeeping date. See table 1 for the specific conversion ratio. China Merchants Bank reserves the right to adjust the conversion ratio of points.

Remarks:?

1. The integral of the primary card and the secondary card can be calculated together. ?

2. If the cardholder has both a personal card and a business card, the points of the personal card and the business card shall be calculated separately. ?

3. If the goods or services purchased by credit card are returned for some reason, or refunded due to signing disputes or other reasons, China Merchants Bank will deduct points according to the proportion of the refunded amount. ?

2. What is the application scope of credit card points of China Merchants Bank?

Cardholders can use China Merchants Bank credit card to swipe their cards in restaurants, hotels, department stores and other retail stores. In addition to items that are not calculated according to the rules of bank points, they can also accumulate points by mail order, installment payment of goods, and cash advance with China Merchants Bank credit card. ?

According to our integral rules, the following items will not be calculated:?

1. Annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue repayment (such as liquidated damages, interest, etc.) and other fees agreed in the credit card collection contract of China Merchants Bank; ?

2. Related expenses withheld and remitted; ?

3. Consumption of low-rate and zero-rate merchants such as real estate, automobile sales, wholesale, public hospitals, public schools, government, finance, charity, residents' services and non-profit social services.