Cardholders can use credit cards in the normal consumption of retail merchants, purchase mail-order goods through CITIC Bank, and withdraw cash by credit cards, except for transactions that do not allow points to accumulate.

The following transaction types are not allowed to accumulate points:

1, annual credit card fee, handling fee, revolving interest, liquidated damages, other credit card fees, etc.

2. Withholding and remitting related expenses.

3. Cash installment transaction.

4. Shopping malls are traded in installments.

5. All online transactions (unless otherwise stipulated in the online co-branded card).

6. Blue card cash withdrawal transaction and UnionPay official card cash withdrawal transaction.

7. Including but not limited to commercial transactions in non-profit industries such as real estate, automobiles, wholesale, hospitals, schools, government, charity, finance, social services and residents' services.

Extended data:

Credit Card Points and Gift Exchange Rules of CITIC Bank

1. Gift redemption must be proposed by the cardholder, and points under different cardholders' names cannot be used together.

2. Credit card holders can use "points" or "points+cash" to exchange gifts. For the time being, cardholders who only hold debit cards without credit cards can only exchange "points" for gifts.

3. The credit card owner can only apply for the annual fee for the main card or supplementary card under his name, but not for other cards. Annual fee exchange is limited to one application per card per year; The annual fee paid must be applied within three months after the annual fee is generated, otherwise it will not be accepted. The annual fee for the first year of a credit card cannot be redeemed by points.

4. Please refer to and abide by the terms and conditions of service for cardholders to use air miles published by airlines. Cardholders who only hold debit cards without credit cards are temporarily not allowed to redeem air mileage gifts.

5. Once confirmed, all gift exchange applications cannot be cancelled or changed. The system will give priority to deducting the points that expire first in the cardholder's points account.

6. If the gift delivery fails due to the cardholder's personal reasons, such as the incorrect payment information submitted by the cardholder, the overdue signature, etc. And if the cardholder requests a new delivery within 90 days after submitting the order, CITIC Bank can arrange a second delivery and charge the relevant delivery fee according to the standards of domestic express delivery companies.

7, the number of gifts is limited, first come, first served; CITIC Bank replaces the right to redeem products with products of the same value. All gifts are non-refundable, non-refundable, non-refundable.

8. The pictures of gifts listed in official publicity channels such as official website of CITIC Bank, gift brochures and leaflets are for reference only, which are subject to the real thing. The additional parts listed in the picture are for decoration and do not constitute a part of the gift.

9. Gifts and services listed in the points plan are directly provided to cardholders by relevant gift suppliers.

10. When the points in the cardholder's points account are insufficient or the status of the cardholder's credit card or debit card is abnormal, the cardholder will not be able to exchange the points for gifts.

1 1. Cardholders shall bear the tax obligations attached to gifts and services redeemed by points.

12. All gift exchanges do not provide invoices.

Baidu Encyclopedia-China CITIC Bank Credit Card