ICBC credit card points rules

Personal comprehensive points include consumption points and specific points:

1. Consumption points: Use ICBC bank cards (excluding Centurion , co-branded cards and commercial cards) consumption can accumulate personal consumption points, and each RMB 1 spent will earn 1 point (the part less than 1 yuan will be rounded up), and the consumption will be converted into RMB in proportion;

2. Specific Points: When ICBC carries out various marketing activities, it will give corresponding points to qualified target customers according to the event rules.

Warm reminder:

1. No points for special transactions such as real estate, car sales, wholesale, etc.;

2. Debit card consumption through WeChat, Alipay, JD.com , no points will be accumulated; credit cards that have accumulated comprehensive points can accumulate points through consumption through WeChat and JD.com before December 31, 2022;

3. After using a credit card that has accumulated joint points to make purchases, please use the credit card provided by the joint entity. Points or rewards shall prevail;

4. Points are valid for up to five years, and points that are not redeemed after the expiration date will be cleared.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation.)

What are the points rules for ICBC credit cards?

Points rules for ICBC credit card users:

Earn 1 point for every 1 yuan spent, 1 point for 1 Hong Kong dollar spent, 8 points for 1 US dollar spent. No points will be counted for less than 1 yuan. Points will not be accumulated for the following transactions:

1. Wholesale transactions: such as tobacco, beer, building materials wholesale, computer malls, etc.;

2. Transfer transactions: such as loan deductions, Automatic transfer of utility bills, transfer transactions for purchasing securities or funds, insurance withholding, etc.;

3. Professional transactions: such as hospital payments, provident fund payments, tax payments, school payments, insurance payments, real estate Sales, car sales, online transactions, auctions and pawns, etc.;

4. Stored value transactions: such as gas card recharge, phone bill recharge, prepaid recharge, etc.;

5. Other recognitions No points will be accrued for transactions that should not accrue points.

ICBC Credit Card Points Accumulation Rules

1. Accumulation rules: Use the bank’s debit card or credit card for consumption, including this consumption. Points will be awarded after the consumption is converted into RMB according to the system conversion table. Calculation, the Bank reserves the right to adjust the points conversion rate based on changes in exchange rates. Those who meet the points collection conditions will accumulate 1 point for every RMB 1 spent. Among them, debit card holders only accumulate points when making consumption transactions at bank POS merchants.

2. Points will not be accumulated for the following items:

(1) Including but not limited to real estate, car sales, wholesale, hospitals, primary and higher schools, charity and social services, non-profit For merchant consumption in profit-making industries and other industries, as well as financial and government payment transactions (such as insurance, fines, investments, bail bonds, tax payments, etc.), the above information will be adjusted according to the merchant types of relevant institutions such as UnionPay;

(2) If the goods or services purchased with the card are returned for any reason, or the money is refunded due to billing disputes, or other reasons, ICBC will deduct corresponding points based on the amount of the refund;

(3) Points will not be accumulated for online consumption;

(4) Points will not be accumulated for card purchases through third-party payment platform merchants;

(5) Consumption (including consumption conversion ) less than 1 yuan will not accumulate points;

(6) If the merchant fails to install and use bank card acceptance machines in accordance with China UnionPay regulations, resulting in points being calculated for transactions that should not be awarded points, our bank will The Bank has the right to deduct this part of the cardholder's points. The Bank will not be held responsible if the acquiring bank or merchant fails to correctly set the merchant category in accordance with China UnionPay regulations, thereby affecting the accumulation of points.

How much does ICBC credit card consumption earn 1 point?

For ICBC credit card users, every 1 yuan spent earns 1 point, every 1 Hong Kong dollar spent earns 1 point, and every 1 US dollar spent earns 8 points. Points less than 1 yuan will not be counted.

The points of multiple ICBC credit cards under the same cardholder’s name can be combined, and the points of the main card and additional cards can be combined. But not all purchases accumulate points.

Inventory of ICBC credit card points rules will teach you how to quickly check points

ICBC is also known as "Universal Bank". As the number one bank, it has many users and many people. They have all applied for ICBC credit cards, and many people are very concerned about the points rules of ICBC credit cards. Today I will introduce to you information about ICBC credit card points.

ICBC Credit Card Points Rules

1. Cardholders can accumulate 1 point by spending RMB 1 with ICBC credit card. If the consumption is less than RMB 1, the shortfall will be rounded up. If the consumption is Yes, it will be converted into RMB and then the points will be calculated.

2. Such as online consumption, third-party payment platform consumption, consumption at real estate, automobile and other merchants, or wholesale transactions, transfers, and payment of provident fund, hospital, school payment, etc. Points are not calculated for professional transactions, recharges, etc.

If you want to know how many points your ICBC credit card has, you can check your credit card points in the following three ways.

1. Statement Inquiry

The bank will mail the credit card usage statement for the month every month, and the statement sent to you will clearly indicate the points status of your credit card for the month. , so you can check your points through your statement.

2. Telephone Inquiry

You can call ICBC’s customer service hotline at 95588 or 400-669-5588 and enter relevant information according to the voice prompts to check your points, or you can choose to transfer them. Manual service, please check with customer service personnel.

3. Online banking inquiry

Friends who have opened personal online banking can log in to ICBC online banking, click "Customer Service", select "Points Service", and then click "Points Inquiry" You can check your points.

The above is a summary of the points rules of ICBC credit cards and its points inquiry methods. Friends who want to know their credit card points can follow the above three methods to inquire.

How to calculate ICBC points?

Question 1: How do ICBC points come from? ICBC points are obtained through consumption.

Consumption types with points:

How to consume to get points from ICBC credit cards? Generally speaking, users must go to the designated merchants of Peony Credit Card to use POS transactions, or at designated merchants. Shopping on the website is considered consumption and points will be earned. The details are:

(1) Within the scope of participating ICBC points, you can earn 1 point for every 1 yuan (1 Hong Kong dollar) spent with the Peony Credit Card, 8 points for every 1 US dollar spent, and 8 points for every 1 euro spent. Can accumulate 10 points.

(2) Credit card payment for medical treatment: If the hospital uses POS, it is generally calculated based on consumption, and points can be obtained at this time. But if there is an ATM in the hospital, then if you withdraw money and pay the fee at the ATM, it will be counted as cash withdrawal, and there will be no points.

(3) Paying the mobile phone bill is considered a transfer, not consumption. The money is transferred from your account to China Mobile (or China Unicom, China Telecom). The transfer is regarded as a cash withdrawal, and ICBC credit cards are not included. Points activity.

(4) When purchasing electricity, it is considered a transfer, not consumption. Transferring money to an electric power company is treated as cash withdrawal and does not participate in the ICBC credit card points activity.

(5) Paying the annual Internet fee online and transferring funds are regarded as cash withdrawals and do not participate in the ICBC credit card points activity.

(6) Pay membership fees online. Dual-currency credit cards can be used for online transactions on domestic and overseas websites. If you follow the general online shopping method when making a transaction, it will be counted as an online transaction, and the online transaction will be counted as consumption and you can earn points. But if it is transferred online, it will be treated as cash withdrawal and there will be no points.

(7) Online shopping is regarded as consumption and has points.

Summary: Generally, you can participate in points by using POS for consumption. Shopping on designated websites counts as consumption and can earn points.

Question 2: How does ICBC earn points? How much does it cost? ICBC credit card points cannot be redeemed for gifts in most areas. There are only two areas where gifts can be redeemed. You can only use ICBC Credit Card "E-Purchase". After registering as a member, you can directly exchange cash for shopping. I have more than 40,000 points, but I can only exchange them for 85 yuan for shopping.

Thank you for accepting it

Question 3: How to calculate ICBC points? Every dollar spent with ICBC points earns one point.

Shopping on the ICBC e-shopping website

500 points can be used to redeem 1 yuan in cash.

10,925 points can be used to redeem cash.

21.85 yuan

Question 4: How to accumulate ICBC points? When using a bank card to make purchases, points are accumulated based on the standard of 1 point for 1 yuan spent (points are calculated after the consumption is converted into RMB, and converted according to 1 US dollar = 6.5 yuan, 1 euro = 8 yuan). Among them, debit card users collect points only when their consumption (handling fee/transaction principal) at other banks’ POS merchants is ≥0.38% (rebate standard). Points will not be accumulated for purchases of cars and houses, online consumption, debit card ShanKu card electronic cash consumption, etc. Please refer to the actual situation~ Warm reminder: As long as the points under the same customer number are within the validity period and have not been used, they will be accumulated. exist.

Question 5: How to calculate points for ICBC Peony Credit Card? Normally, 1 yuan earns 1 point, but there are no points for purchasing houses, cars, wholesale markets, paying water and electricity bills, etc.

Question 6: How much does 50,000 ICBC points cost? Points are redeemed for gifts at the provincial level, so branches across the country are different, so you should consult the local ICBC.

Question 7: How do ICBC’s points come from the standard service rating of star service? According to star rating, star-rated individual customers are divided into seven-star customers, six-star customers, five-star customers, four-star customers, and three-star customers. There are six categories of star customers and quasi-star customers. The evaluation standards for each type of customers are as follows: (1) Seven-star customers: the star point value is above 80,000 (inclusive). (2) Six-star customers: Star point value ranges from 10,000 (inclusive) to 80,000. (3) Five-star customers: Star point value ranges from 2,000 (inclusive) to 10,000. (4) Four-star customers: Star point value is 500 (inclusive) ~ 2,000. (5) Three-star customers: Star point value is 50 (inclusive) to 500. (6) Quasi-star customers: star point value 0 (exclusive) ~ 50. (7) Customers whose star point value is equal to 0 will not be rated with stars. For customers who meet one of the following conditions, if the current service star rating is low, the system will automatically and immediately increase it to the corresponding star rating: (1) Sign a private banking service agreement and adjust the service star rating to seven stars. (2) Open an ICBC Wealth Management Gold Account Card or Platinum Credit Card, and adjust the service star rating to six stars. (3) Open an elite financial account, a gold credit card, and adjust the service rating to five stars. (4) Open a general credit card and adjust the service star rating to four stars. The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (bank-wide) in the past six months. Related indicators and calculations 1. Financial assets The financial assets indicator consists of two items: short-term assets and medium- and long-term assets. The indicator is calculated as the half-year average daily balance of each financial asset. (1) Short-term assets mainly include: current savings deposits, third-party custody, Lingtong Express financial products, money market funds, and credit card deposits. Every 10,000 yuan of short-term assets can earn 135 star points. (2) Medium and long-term assets mainly include: time savings deposits (including fixed-term and live deposits), provident fund deposits, financial products (excluding Linkong Express), funds (excluding money market funds), treasury bonds, insurance, gold (including paper Gold, physical gold, branded gold), etc. You can get 100 star points for every 10,000 yuan of medium and long-term assets. 2. Personal liabilities The personal debt indicator consists of three items: personal housing mortgage loans, other personal loans, and card overdrafts. The indicator calculation caliber is the half-year average daily balance of each personal liability. (1) 100 star points can be obtained for every 10,000 yuan of personal housing mortgage loan. (2) Other personal loan indicators include personal consumption loans, personal business loans and other types. Other personal loans can obtain 200 star points for every 10,000 yuan. (3) 200 star points can be obtained for every 10,000 yuan of credit card interest-bearing overdraft. 3. Intermediary business The intermediary business indicator consists of three items: investment and financial management transactions, card consumption transactions, and settlement transactions. The index calculation caliber is the cumulative transaction amount in half a year. If the amount of a single transaction exceeds the standard upper limit of the business fee charge, the upper limit amount will be included in the indicator statistics as the transaction amount. If a single transaction has enjoyed our bank's rate discount, the transaction amount will be converted according to the discount ratio and then included in the indicator statistics. (1) Investment and financial management transaction indicators mainly include: fund purchase and redemption (excluding monetary funds), financial product purchase (excluding Linkong Express), treasury bond purchase, insurance purchase, gold trading, foreign exchange trading, etc. You can get 200 star points for every 10,000 yuan of investment and financial management transactions.

(2) Card consumption transaction indicators mainly include transactions generated through POS card consumption using various cards such as Money Link cards, Elite Club Account Cards (including ICBC Wealth Management Elite Club Account Cards), credit cards, credit cards, and quasi-credit cards. You can get 400 star points for every 10,000 yuan of investment and financial management transactions. (3) Settlement transactions mainly include inter-regional deposits and withdrawals, inter-regional remittances, inter-bank remittances, speed remittances, etc. 200 star points can be obtained for every 10,000 yuan settlement transaction volume

Question 8: How to calculate ICBC credit card points 1. ICBC credit card limit adjustment

1. ICBC credit card temporary limit Adjustment

When using an ICBC credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months. For international cards, you can increase the temporary limit by 10% through the international card self-service on the customer service phone or online banking, which is valid for one month. Self-service credit withdrawal can only be used once every 3 months.

2. ICBC credit card long-term limit adjustment

Card holders can submit the latest financial income certificate and apply for it at any ICBC outlet, and ICBC will make an adjustment based on their past usage. The card history, repayment records, etc. will be reviewed, and the credit card limit will be appropriately adjusted for the cardholder after passing the review.

ICBC will automatically adjust the permanent limit after assessment every six months.

2. The points earned on the Agricultural Bank of China debit card are not an important reference for credit card application. The key basis is your asset status (term deposits, financial bonds, real estate, etc.) and your stable income.

Question 9: How to calculate ICBC credit card points? Normally, 1 point is earned for 1 yuan. There are no points for buying a house, car, wholesale market, paying water and electricity bills, etc. with the card.

Question 10: How to accumulate ICBC points? When using a bank card to make purchases, points will be accumulated based on the standard of earning 1 point for 1 yuan spent. Among them, savings cards need to be consumed at our bank's POS merchants before they can be accumulated. For projects such as real estate, car sales, public hospitals, and online consumption, points will not be accumulated. Please refer to the actual accumulation situation~

This is the introduction of how ICBC credit card points are calculated.