Agricultural Bank of China credit points can be exchanged for household items, air miles, car supplies, children's supplies, credit card annual fees, etc. Agricultural Bank of China points cannot be exchanged for cash.

Agricultural Bank of China credit points redemption qualifications

1. Agricultural Bank of China bank cards (including debit cards and credit cards, excluding commercial cards, quasi-credit cards and specially stated products) All cardholders can participate in this program.

2. If a cardholder has any of the following circumstances, Agricultural Bank of China has the right to disqualify him or her from participating:

1. Bank card freezing and payment stop;

2. The account or card status is abnormal such as debit card cancellation or overdue credit card. It is suspected of using non-genuine transactions to defraud points, violating the "Agricultural Bank of China Golden Harvest Debit Card Regulations" and the "Agricultural Bank of China Golden Harvest Credit Card" "Articles of Association", "Agricultural Bank of China Golden Harvest Credit Card Application Contract (Personal Card)", these detailed rules and other relevant provisions, etc.

Extended information:

1. Points accumulation rules

1. Personal customer points can be accumulated for consumption transactions completed with Agricultural Bank of China bank cards, debit cards 1 point will be accumulated for every RMB 5 spent. Points will not be counted if the amount is less than RMB 5. A maximum of 300 points can be accumulated for a single transaction. Credit cards accumulate 1 point for every RMB 1 spent, 6 points for every USD 1 spent, and 8 points for every 1 Euro spent.

2. Cardholders can accumulate up to 300 points per transaction at designated merchants (based on the merchant category code), and the same account can accumulate up to 3,000 points per month.

3. The points of the main card and supplementary card in the same account are combined and calculated in the main card account, that is, the account-level points balance.

4. The sum of the account-level point balances of different accounts under the same cardholder’s name is the customer-level point balance, which can be automatically combined and used when applying for some redemption items. Points from aviation co-branded cards such as Golden Harvest Hainan Airlines co-branded card, China Eastern Airlines co-branded credit card, Juneyao Airlines co-branded IC credit card, etc. are automatically converted into airline miles and do not participate in customer-level points consolidation.

Agricultural Bank of China - points rules?

Agricultural Bank of China - points exchange for gifts