Cardholders can accumulate points by using Ping An Credit Card to spend money in restaurants, entertainment, hotels, hotels, department stores and other retail stores, or ordering goods through Ping An Credit Card Center.

The following items will not be calculated:

1. Credit card annual fee, cash advance fee, installment fee, late payment fee and other expenses and interest;

2. Credit card withdrawal and overpayment collection, deposit (repayment), transfer, spiritual use and bill installment;

3. Pay or withhold telephone charges, insurance premiums, utilities and other utilities;

4. Special consumption such as online consumption, public utilities, hospitals, governments, charities, schools and residents' services;

5. Consumption in real estate, wholesale, household appliances, automobile sales and maintenance, gas filling and gambling;

6. UnionPay merchants with special preferential rates (including but not limited to three rural preferential rates, county and township preferential rates, fixed-rate preferential rates, etc.). ) it doesn't count;

7. If the cardholder's transaction merchant violates the parameter setting specification of the relevant bank card acceptance machine of China UnionPay, the cardholder's transaction in the merchant will not be counted;

8. If the cardholder uses the credit card for non-personal consumption, or rents, lends or gives the credit card to others for use, or is suspected of using false transactions to violate the Personal Credit Card Receiving Contract of Ping An Bank, the Credit Card Articles of Ping An Bank, the Rules of the Points Incentive Plan and other relevant regulations, the points will not be calculated;

9. Other projects designated by Ping An Bank.