According to the general integral rules of Minsheng Bank
General points will not be accumulated for the following items:
① Annual credit card fee, revolving credit interest, cash advance fee and interest, expenses arising from overdue repayment (such as liquidated damages and interest) and other fees agreed in Minsheng Credit Card Collection Contract.
(2) Cash advance or overpayment through the counter or ATM of the Bank or other banks.
(3) in the real estate business, all kinds of motor vehicle dealers, fuel shops, fuel vending machines, aircraft dealers, farm tools dealers and other wholesale businesses.
(4) Pay the service fees of public utilities such as telecommunications, water and electricity.
⑤ Lottery, hospitals, schools and government services.
⑥ Financial transactions such as online payment.
In other words, except for online financial transactions, everything else has points.
Extended data
According to the general integral rules of Minsheng Bank
General credit card general points accumulation rules are as follows:
1) You can get 1 universal points for every 1 yuan spent with Minsheng Credit Card; Over $65,438 +0 yuan can get 7 general points; Full pound 1 yuan can get 9 general points; Full euro 1 yuan can get 8 general integrals; Full yen 100 yuan can get 7 general points; Full Australian dollars 1 yuan can get 5 universal points; 0 yuan full CAD 65438+ can get 6 universal points.
The points generated by the consumption amount will take effect on the day after the bank bookkeeping date. The points are included in the credit card transaction, and finally collected in the customer's name to form customer-level points.
2) In a single natural month, set the upper limit of accumulated points according to 2 times of the customer-level credit line of the activated cards (excluding business cards and credit cards) in the customer's name (the points of the main card and supplementary cards are accumulated in the main card account, and the local and foreign currency transactions are subject to the actual entry time). If the accumulated points in a single natural month exceed the upper limit of 2 times of the customer-level credit line, the excess will not be accumulated into the cardholder's account.
① The account applies for temporary quota adjustment within a single natural month, and the temporarily adjusted quota will not be used as the basis for calculating the cumulative upper limit of points;
② The account is subject to permanent quota adjustment within a single natural month, and the quota adjustment of the accumulated upper limit of points will take effect from the next natural month;
③ The upper limit of double points for customer-level credit line is the basic points accumulation rule, such as triple points for birthdays and double points for women on Thursdays.
The integral accumulation of special card products such as Li and co-branded cards also follows this law.
3) The points of the main card and the auxiliary card are merged into the name of the main card.
4) If the goods or services purchased by credit card are refunded from any account or returned for any other reason, or the money is returned for signing disputes or other reasons, the points obtained will be adjusted by China Minsheng Bank according to the proportion of the returned money.
5) Minsheng Credit Card points are permanently valid, and the points remain in the name of the main card until the account is cancelled. All cardholders with normal card and account status can redeem the "convertible points" under their accounts at any time.
6) In principle, when multiple credit card reward schemes are in parallel, the rewards cannot be enjoyed in superposition. By default, banks allow cardholders to participate in the reward program with the highest reward. Special points reward activities are subject to the publicity content of the activities.
Other government loans, charitable social services and other non-profit consumption.
(8) Other projects designated by China Minsheng Bank will be notified separately.
Minsheng Bank-Minsheng Bank General Integral Scale