Postal Savings Bank credit card earns points. Cardholders use the credit card to make purchases and installments at merchants. As long as a single purchase exceeds RMB 1, 1 point will be accumulated. Any amount less than RMB 1 will be rounded off. Accumulated points can be used to redeem point gifts, gift certificates or related value-added services. When a cardholder makes a single purchase using a Postal Savings Bank credit card, the points generated from the transaction amount will take effect on the day after the transaction is recorded. The consumption of the main credit card and the supplementary card will accumulate points, and the points of the supplementary card will be merged into the main card account. If the original transaction amount is reduced due to consumer returns or disputes, Postal Savings Bank will reduce the corresponding points accordingly.

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The basic points accumulation rules for Postal Savings Bank credit cards are as follows: 1 point will be accumulated for every RMB 1 spent with Postal Savings Bank credit cards. If the consumption amount is less than RMB 1, the points will be rounded up; if the cardholder holds If you have two or more Postal Savings Bank credit cards, the points accumulated by each card's consumption can be calculated together; if the cardholder returns the goods or services purchased with the card for any reason, or refunds the money due to disputes over the purchase order or other reasons , the points obtained from the transaction will still be deducted by the Postal Savings Bank Credit Card Center in proportion to the amount of the refund.