Bank of China Credit Card Points Redemption Rules

(1) Credit card transaction points that are not under the same customer’s name cannot be combined (except for supplementary cards under the name of the main credit card card); (2) Transactions Among the points, the consumption points of Bank of China (Great Wall) series credit cards under the same customer's name can be used together (except points in the co-branded card programs of various airlines such as Air China Zhiyin Credit Card); the personal cards of Bank of China (Great Wall) series credit cards under the same customer's name and The points of the Great Wall Corporate Business Card (Personal Repayment) and the Financial Business Card (Personal Repayment) can be used together (3) The main credit card holder can initiate a redemption application separately; the supplementary card must be used in combination with the main card points, and shall be used by the main card. The cardholder initiates a redemption application; (4) Since certain procedures are required to process points redemption information, in order to ensure that customers can successfully redeem gifts, please be sure to go through the website, mobile phone or telephone banking 1 month before the expiration date of the points. Manual service application for redemption. If the points cannot be used due to reasons such as late submission of information or incomplete submission of information, Bank of China will not reissue or extend the points; (5) Bank of China will send a dynamic verification code to the cardholder when the cardholder redeems points. If a person reserves a mobile phone number with Bank of China, and correctly enters the dynamic verification code to redeem points for gifts, it will be deemed that the point redemption is completed by the cardholder himself; (6) If the cardholder returns the goods or services consumed for any reason, If the transaction amount is refunded due to disputes over consumption or other reasons, Bank of China will deduct the points earned for the transaction. If, before the corresponding points are deducted, the cardholder has used the points to redeem points gifts, resulting in insufficient points in his or her account to be deducted, Bank of China will, after deducting the points balance in the cardholder's point account, account for the shortfall. , negative points will be calculated in the cardholder's points account, and will be made up when the cardholder has new points in the future. If there are negative points in the cardholder's points account, the account will not be cancelled. The cardholder must make up for the negative points in the account by adding accumulated points before applying for account cancellation.

The above content is for your reference, please refer to actual business regulations.

What are the rules for accumulating credit card points in RMB currency of Bank of China?

Credit card points accumulation rules in RMB currency:

1. BOC series credit cards, Great Wall series credit cards of regular card, gold card and titanium card products will accumulate 1 RMB for every 1 yuan spent. "BOC Points 365" bank card consumption points (excluding Air China Zhiyin BOC Credit Card);

2. For every RMB 1 spent on platinum-level or above credit card transactions within China (excluding Hong Kong, Macao and Taiwan) Accumulate 1 "BOC Points 365" bank card consumption point, and accumulate 2 "BOC Points 365" bank card consumption points for every RMB spent in other countries and regions. Among them, the Great Wall American Express Private Bank Credit Card accumulates 2 "BOC Points 365" bank card consumption points for every RMB 1 spent in China and other countries and regions.

Warm reminder: The specific points accumulation rules for each credit card are subject to the product rights announcement; credit card consumption of less than 1 yuan will not accumulate "BOC Points 365" bank card consumption points.

The above content is for your reference, please refer to actual business regulations.

What are the points rules for CCB credit cards?

Credit card holders can accumulate individual customer comprehensive points by swiping their cards for consumption (except Dragon Card commercial cards) (except for transactions or merchants designated by China Construction Bank that do not accumulate points).

1. The comprehensive points for individual customers are that the cardholder uses the Dragon Card credit card and earns 1 point for every RMB 1 spent on the credited amount (1 point for every RMB 166 spent with the Shanghai Volkswagen Dragon Card), and every dollar spent 1 yuan will earn 7 points (spent with Shanghai Volkswagen Dragon Card, US$166 will earn 7 points), every 1 euro spent will earn 9 points, and the portion less than 1 yuan will be rounded up;

2. Cardholder’s Credit card consumption points will generally be included in the customer's comprehensive points account within three working days after the consumption is recorded. In special circumstances, the actual crediting time shall prevail;

3. Supplementary card holders The points earned will be automatically combined into the comprehensive points of individual customers of the main card to which they belong. Credit card points redemption can only be redeemed by the main cardholder himself, and supplementary cards cannot directly participate in point redemption;

4.2017 Starting from January 1st, points are valid for up to five years (calculated in a calendar year, including the year in which points are accumulated), and are non-recoverable.

Points accumulated before December 31, 2016 (inclusive) are permanently valid;

5. Anyone who returns the goods or services purchased with a card, or refunds due to disputes over the purchase order, or other reasons, CCB will deduct the points obtained from the transaction;

6. Cardholders use credit cards to make purchases at hotels, hotels, restaurants, entertainment, department stores, and other retail stores, through China Construction Bank Credit Card Points can be accumulated for mail-order installments and merchant installments carried out by the center.

Details of the points rules can be viewed through the Points Mall.

(In case of business changes, please refer to the actual situation.)

How are credit card points calculated?

Different banks have different rules for calculating credit card points. Here is a brief list Several banks are as follows:

1. China Merchants Bank Points Rules

One point will be awarded for every 20 yuan spent with the card, and no points will be awarded for less than 20 yuan.

2. China Construction Bank consumption points

You can accumulate 1 point by spending 1 RMB with the card, and 8 points by spending 1 USD.

3. Agricultural Bank of China consumption points

You can accumulate 1 point by spending 1 RMB with the card, and 8 points by spending 1 USD.

Credit card points have many uses. The following are some common ones:

1. Redeem gifts. You can go to the bank's official website of your credit card to look for credit card points options, and you can see the gifts that the points can be redeemed for. In addition to physical objects, there will also be some products, experiences, and the like.

2. Points mall to redeem gifts, you can go to the mall to redeem gifts. Points can be used to redeem goods or deduct a certain amount at bank partner merchants. Merchants such as Starbucks often have such credit card point redemption activities.

3. Points can be used to change oil. For example, CCB Long Card car card points can be used to change oil. It is a type of CCB credit card oil card. Car card points are generally redeemed for oil. The car owner's card may also be redeemed for oil or tolls.

4. Redeem airline miles. Points from some credit cards can be directly exchanged for airline miles, and the miles converted from points can be used when you go on a business trip or travel.

5. Some credit card points can also be directly redeemed for annual fee reductions.

How to get credit card points:

1. If you want to get credit card points, you need to spend more with your card. Generally, all bank credit cards will accumulate points for offline purchases; however, only some banks will accumulate points for online purchases. Calculate points; if you want to get an accurate answer, you can call the bank. Note: Points will not be calculated for purchases at merchants in real estate, automobiles, wholesale, hospitals, schools, etc., as well as non-profit industries such as charity and social services.

2. Participate in bank activities. The bank launches a series of activities for credit cards every year. At this time, you will get more points for consumption, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.

3. Banks usually launch some special activities on the cardholder’s birthday. As long as you seize this opportunity to spend, you can get good points. Some can accumulate 5 times the points on purchases on the birthday, which is quite powerful. Big ones.

Credit card points generally have an expiration date, and can be redeemed for various products during the validity period. If the expiration date expires, the credit card points will be reset to zero, so while saving points, you should always pay attention to the validity period and expiration date of the points. You can call the bank to consult.

When using a credit card for consumption, if the consumption is canceled, the points generated will also be deducted, and the credit card repayment will pay revolving credit interest. Annual fees, late payment fees, and installment payment fees will not be incurred. integral.

What are the accumulation rules for Bank of China credit card points?

Points accumulation rules for Bank of China credit cards:

1. Personal credit cards below platinum level (not included):

Accumulate 1 point for every RMB 1 spent (Air China Except for Zhiyin Bank of China Credit Card).

2. Personal credit card with platinum level or above:

Each RMB 1 spent in China (excluding Hong Kong, Macao and Taiwan) will accumulate 1 point, and every RMB spent in other countries and regions will accumulate 1 point. 1 RMB accumulates 2 points.

3. Business card:

The Great Wall Financial Business Card will accumulate 1 point for every RMB 1 spent; the Great Wall Corporate Business Card will accumulate 1 point for every RMB 25 spent, and it will accumulate US$3. 1 point.

Warm reminder:

1. The specific points accumulation rules for credit cards are subject to the product rights announcement; points will not be accumulated if the credit card consumption is less than 1 yuan.

2. You can check more points rules and terms through Bank of China personal mobile banking, "Bank of China Credit Card" WeChat official account, Bank of China Colorful Life APP and other channels.

The above content is for your reference, please refer to actual business regulations.

That’s it for the introduction of credit card points rules.