Points are value-added services launched by banks to reward cardholders. However, not all card consumption will accumulate points. There are no points in the following situations.

1. Hua Xia Credit Card’s annual fee, revolving credit interest, cash withdrawal fees, interest, fees for overdue repayment (such as liquidated damages, interest) and the Hua Xia Credit Card (personal card) stipulations in the contract various other expenses.

2. Real estate merchants, various motor vehicle merchants, aircraft merchants, wholesale merchants, insurance merchants, and tobacco sales merchants.

3. Sannong merchants and designated county and township preferential merchants.

4. Telecommunications, cable and other pay TV, water, electricity and other public facilities charges.

5. Lottery, services of hospitals and related medical institutions, schools, and government departments.

6. Expenditures on other non-profit undertakings such as government loans and charitable social services.

7. Embassy and consulate fees, court fees, fines, bail, taxes, etc.

8. Other matters specified by Hua Xia Bank Credit Card Center will be notified separately.

In addition to the above items, you can accumulate 1 point for every 1 yuan spent with Hua Xia Credit Card, and 7 points for every 1 US dollar spent. Moreover, the points can be doubled if you spend with the card in your birthday month, so if you want to accumulate points quickly , while seizing the birthday month, you can also participate in some activities that give away points.