General integral rules of Minsheng Bank:
Debit cards are classified according to different products, and the specified percentage is used to accumulate general points, including savings deposits (such as 574 points per month for current savings business of 20,000 yuan), wealth management products (0/20 points per month for every 10,000 yuan) and funds (0/00 points per month for every 10,000 yuan). POS consumption (50 points per 10,000 yuan per month for a single consumption amount), personal foreign exchange trading (40 points per 10,000 yuan per month), national debt (40 points per 10,000 yuan per month), insurance, etc. (The first payment amount accumulates 3200 points per 10,000 yuan per month, and only the insurance types in the bancassurance system and only the points corresponding to the first payment amount are calculated), based on the transaction amount.
The accumulated points will take effect before 15 next month, and the points cannot be used by others. China UnionPay Express and Applepay will generate points, and the points rules are consistent with the consumption of physical cards. (Fund direct sales collection and payment, large deposit certificates, structured deposits, all asset management plan products sold by the Bank, Proton series products and safes will not generate points. Foreign currency wealth management products, direct bank wealth management products and funds are not included in the calculation of points. )
How long is the validity period of Minsheng credit card points? When can it be cleared?
For Minsheng credit card holders, it is relatively easy for Minsheng Bank to accumulate points, and to a certain extent, they can also exchange goods and rights. However, many cardholders don't realize that credit card points have a time limit when they accumulate credit card points, and they will be cleared after the validity period. So, how long is the validity period of Minsheng credit card points? When can it be cleared? Let's have a look.
First, Minsheng Credit Card Points Accumulation Rules
The points of Minsheng Credit Card are usually accumulated by consumption, but you have to swipe your card on a POS machine with points, and Minsheng Credit Card is a dual-currency card, so the accumulated points of consumption in different currencies are different. The specific rules are as follows:
Every consumption 1 RMB = 1 points;
Every consumption 1 USD =7 points;
1 = 10 points for each consumption;
Every consumption 1 euro =9 points;
Every consumption 1 euro =9 points;
Every consumption 100 yen =7 points;
Every consumption 1 AUD =6 points;
Every consumption 1 Canadian dollar =6 points.
It should be noted that the points generated by the consumption amount will take effect on the day after the bank bookkeeping date. In addition, all credit card points under the same account will be combined, and the points of the main card and the auxiliary card will be combined into the main card account.
Second, the validity period of Minxing Credit Card points
The credit card points of Minsheng Bank are permanently valid, and the points will remain under the main card account until the account is cancelled, and will not be cleared.
When the cardholder's credit card and account status are normal, the points can be redeemed at any time.
It is suggested to download people's livelihood and national life, click on the icon "point redemption" on the featured page, and find the goods you like to redeem directly.
Third, Minsheng Credit Card Points Inquiry Channel
1, SMS inquiry: use the reserved mobile phone number to edit the SMS "the last four digits of JF" and send it to 106902895568 for inquiry;
2. Online banking inquiry: log in to Minsheng Bank's personal online banking to find points for inquiry;
3. Customer service inquiry: Call Minsheng Bank Credit Card Customer Service Hotline 400-66-95568 for automatic voice system or manual inquiry.
4. WeChat official account inquiry: WeChat pays attention to "Minsheng Credit Card", enters the official account of WeChat, clicks "Audit-Quota-Points" in the menu bar at the bottom, and then clicks the points to inquire.
The above is "How long is the validity period of Minsheng Credit Card points? When will it be cleared? " I hope it will help everyone. Finally, I would like to mention that the validity period of livelihood points is ultimately subject to banking policies. It is suggested that official website should keep abreast of the developments through Minsheng Credit Card.
Minsheng Shangri-La Platinum Card Points Rules
Minsheng Shangri-La Platinum Card points will be automatically converted into VIP Gold Ring Club points, without taking the initiative to apply. It should be noted that the minimum monthly redemption point for a single cardholder is 250 gold ring points. If the current period is less than 250 gold ring points, the co-branded card points products of this period will be transferred to next month until they reach or exceed 250 gold ring points. The specific points redemption rules are as follows:
First of all, generally effective credit card consumption
Standard Platinum Credit Card: RMB 120 = 1 points, and VIP Gold Ring will reward points.
Luxury Platinum Credit Card: RMB 60 yuan = 1 points, VIP gold ring reward points.
Second, Shangri-La Group's hotels _ credit card consumption
Standard Platinum Credit Card: RMB 60 yuan = 1, VIP gold ring reward points.
Luxury Platinum Credit Card: RMB 30 yuan = 1 points, VIP gold ring reward points.
1. What are the credit card benefits of Minsheng Shangri-La?
1. automatically obtain the membership of Shangri-La VIP Gold Ring Club.
Cardholders who successfully apply for Minsheng Shangri-La joint credit card can immediately have the gold membership of Shangri-La VIP Gold Ring Club and enjoy the corresponding level of membership treatment. Existing VIP Gold Ring members will retain their original effective membership level.
2. Automatically accumulate Shangri-La VIP Gold Ring Club reward points.
If the Minsheng Shangri-La co-branded credit card is used to effectively swipe the card, the consumption will be automatically converted into reward points and included in the VIP Golden Circle member account.
2. Hotel dining can enjoy a maximum discount of 20%.
Dining in Shangri-La Group Restaurant will be paid by Minsheng Shangri-La co-branded credit card, with 8.5% discount for standard platinum card and 20% discount for luxury platinum card.
3. Enjoy a 10% discount on hotel accommodation.
Book and stay at any Shangri-La Group hotel in the world at a preferential price, and pay with Minsheng Shangri-La co-branded credit card to enjoy a 10% discount on the room rate.
Fourth, the best package price for hotel accommodation.
Book and stay at Shangri-La Group hotels in Australia, Chinese mainland, Malaysia, Singapore, Taiwan Province Province and Thailand at preferential prices, and pay with Minsheng Shangri-La co-branded credit card, you can enjoy exclusive free breakfast for two, delay check-out until 4: 00 pm, and upgrade your room to a more advanced room type.
Fifth, quickly upgrade to the emerald member of VIP Gold Ring Club.
If you have a qualified paid accommodation record of 10 in any Shangri-La hotel in the world and pay with Minsheng Shangri-La co-branded credit card, you can be upgraded to a jade member of VIP Golden Ring Club.
Does Minsheng Bank have credit card online consumption points?
There are integrals.
According to the general integral rules of Minsheng Bank
General points will not be accumulated for the following items:
① Annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue repayment (such as liquidated damages and interest) and other fees agreed in Minsheng Credit Card Collection Contract.
(2) Cash advance or overpayment through the counter or ATM of the Bank or other banks.
(3) in the real estate business, all kinds of motor vehicle dealers, fuel shops, fuel vending machines, aircraft dealers, farm tools dealers and other wholesale businesses.
(4) Pay the service fees of public utilities such as telecommunications, water and electricity.
⑤ Lottery, hospitals, schools and government services.
⑥ Financial transactions such as online payment.
In other words, except for online financial transactions, everything else has points.
Extended data
According to the general integral rules of Minsheng Bank
General credit card general points accumulation rules are as follows:
1) You can get 1 universal points for every 1 yuan spent with Minsheng Credit Card; Over $65,438 +0 yuan can get 7 general points; Full pound 1 yuan can get 9 general points; Full euro 1 yuan can get 8 general integrals; Full yen 100 yuan can get 7 general points; Full Australian dollars 1 yuan can get 5 universal points; 0 yuan full CAD 65438+ can get 6 universal points.
The points generated by the consumption amount will take effect on the day after the bank bookkeeping date. The points are included in the credit card transaction, and finally collected in the customer's name to form customer-level points.
2) In a single natural month, set the upper limit of accumulated points according to 2 times of the customer-level credit line of the activated cards (excluding business cards and credit cards) in the customer's name (the points of the main card and supplementary cards are accumulated in the main card account, and the local and foreign currency transactions are subject to the actual entry time). If the accumulated points in a single natural month exceed the upper limit of 2 times of the customer-level credit line, the excess will not be accumulated into the cardholder's account.
① The account applies for temporary quota adjustment within a single natural month, and the temporarily adjusted quota will not be used as the basis for calculating the cumulative upper limit of points;
② The account is subject to permanent quota adjustment within a single natural month, and the quota adjustment of the accumulated upper limit of points will take effect from the next natural month;
③ The upper limit of double points for customer-level credit line is the basic points accumulation rule, such as triple points for birthdays and double points for women on Thursdays.
The integral accumulation of special card products such as Li and co-branded cards also follows this law.
3) The points of the main card and the auxiliary card are merged into the name of the main card.
4) If the goods or services purchased by credit card are refunded from any account or returned for any other reason, or the money is returned for signing disputes or other reasons, the points obtained will be adjusted by China Minsheng Bank according to the proportion of the returned money.
5) Minsheng Credit Card points are permanently valid, and the points remain in the name of the main card until the account is cancelled. All cardholders with normal card and account status can redeem the "convertible points" under their accounts at any time.
6) In principle, when multiple credit card reward schemes are in parallel, the rewards cannot be enjoyed in superposition. By default, banks allow cardholders to participate in the reward program with the highest reward. Special points reward activities are subject to the publicity content of the activities.
Other government loans, charitable social services and other non-profit consumption.
(8) Other projects designated by China Minsheng Bank will be notified separately.