1. ICBC credit card points offset consumption: When the cardholder makes consumption in the cooperative merchant designated by China Industrial and Commercial Bank of China, he swipes the credit card points on the POS machine and directly redeems the designated goods, vouchers or a certain proportion to offset the consumption amount. According to the situation of different merchants, there are differences in the proportion of the amount that can be used to offset consumption to the total amount payable, and the specific proportion is subject to the display on the POS machine. Among them, the credit card payment part accumulates points (unless the specified merchant type does not accumulate points), and the points exchange part no longer accumulates points. Individual comprehensive points can be redeemed across regions, but the standards and requirements for redemption of points of local cooperative merchants must be followed.
2. Redemption of points in the "Ronge-Shopping" Mall: The cardholder uses points in the designated merchants in the "Ronge-Shopping" Mall of Industrial and Commercial Bank of China, and deducts the amount of goods that should be paid according to a certain proportion. The integral conversion ratio shall be subject to the usage rules of "financing e-purchase"; Points can't be used to deduct freight, and can't be used for spike, group purchase and limited time snapping activities; When applying for refund, it will be returned in the order of cash, points and electronic coupons according to the actual payment of the order. The points involved in payment can only be returned in full, and partial return is not supported. After deducting the returned cash from the amount applied for refund, if the remaining amount is greater than or equal to the amount paid by the points, all points can be refunded; If the remaining amount is less than the amount paid by the points, the points will not be refunded.