1. Bank of Communications Wal-Mart Credit Card earns points when you swipe the card at offline POS such as supermarkets, merchants with the UnionPay logo, hotels, and guesthouses.

2. No points will be awarded under the following circumstances:

Transfer transactions, cash withdrawal transactions, and online transactions.

"Split it as you want" The recorded transactions for each phase of the installment business.

Specific categories of spending, including but not limited to real estate; car sales; wholesale transactions; hospitals; elementary and higher schools; universities, colleges, and professional schools; charities and social services, and non-profit causes; Fines; bail and bonds; taxes; government services; embassy and consulate fees; government loans; and spending at specific merchant categories listed in the table below.

3. There are no points for consumption in online stores such as Taobao, Paipai, and Youa, and instant transactions on Alipay do not count points.

4. Points can only be redeemed for cash at any Wal-Mart store across the country.

Exchange rules:

① When the credit card points reach a certain point redemption standard, the main cardholder can exchange the accumulated points for cash according to the standard, and Bank of Communications will immediately redeem the points from the cardholder. The corresponding points will be deducted from the account. (A minimum of 3,000 points can be used to rebate 0.60 yuan)

②The redemption date is before the next bill is issued in the current month, and there must be consumption at Wal-Mart in the unpublished bill in the current month before points can be used The points can be redeemed for cash for deduction. At the same time, the amount of points redeemed for cash shall not be greater than the amount spent at Wal-Mart that has not yet been billed in the current period.

Supplement to the question:

In the past, points were calculated for online purchases. Recently, some cardholders have taken advantage of the loopholes in third-party payment supervision that are not yet strict, and used some third-party payment platforms to obtain points. Points are then sold or used to redeem bank gifts, which not only causes losses to the bank, but also hurts the interests of other cardholders.

Most banks now do not allow points to be accumulated for credit card online transactions.