Credit card points of China Merchants Bank are generally calculated according to the amount of a single consumption record, and every 20 RMB plus 2 USD (airline joint card: 18 yuan RMB or 2 USD accumulated 1 air mileage), and the points generated by the amount of consumption record will take effect the next day.

Special card points accumulation rules can be consulted by calling the customer service hotline. Personal points accumulated by multiple credit cards under the user's own name are used together.