During the cardholder's card-holding period, the accumulated points can be used for redeeming point goods, gift certificates or related value-added services for every RMB spent. Supplementary cards do not accumulate points separately, and the points obtained are automatically merged into their main card accounts.

1. automatic summary of points

when the cardholder holds multiple credit card master cards, the points of each card are calculated according to the product rules of each card and stored in the cardholder's name. It is valid within the validity period of the main credit card, and the points generated by the original credit card are invalid when the card is cancelled.

2. Redemption of points

Cardholders can log on to this website in integral mall to inquire about points and redeem points, and they can also purchase goods by stages in the form of "points+installment", and the points can reach up to 5% of the total price of goods. Please refer to the website help center for details of points reward.

Extended information:

1. The following transactions in UnionPay network do not accumulate points:

Real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, insurance, hospital health, logistics and warehousing, public enterprises, cash withdrawal transactions, repayment transactions, various interest and formalities fees, electronic cash deposit and electronic cash.

II. Provisions on special card products

1. Cardholders of the gold card grade master card and supplementary card will double their spending points on their birthday.

2. The cardholders of Dingya and Dingzhi Platinum Cards and their supplementary cards will be rewarded with twice the points for spending in their birthday month, twice the points for each installment of bill installment, transaction installment and cash installment, and the points will be deducted when the installment is cancelled.

3. Youth-themed credit card rewards twice the points for online fast consumption.

4. Zhongyuan Food Card only earns double points for purchases with merchant codes of 5441, 5451, 5462, 5811, 5812, 5813, 5814, 711 and 712, and does not earn points for other transaction types, merchant types and merchant codes.

China Postal Savings Bank-? Integral reward