Scope of application of points

Cardholders can accumulate points when they use Ping An Credit Card to swipe their cards in restaurants, entertainment, hotels, department stores and other retail stores, or when they order goods through Ping An Credit Card Center. Click here for a list of merchants who can accumulate points.

However, points will not be calculated for the following items:

1. Various fees and interests such as annual credit card fee, cash advance fee, installment fee and late payment fee;

2. Withdrawal of credit card cash, recovery of overpayment, deposit (repayment), transfer, spiritual payment and bill installment;

3. Payment or withholding of telephone charges, insurance premiums, utilities and other public utilities;

4. Special consumption such as online consumption, public utilities, hospitals, governments, charities, schools and residents' services;

5. Consumption in real estate, wholesale, household appliances, automobile sales and maintenance, gas supply and gambling;

6. merchants with special preferential rates of unionpay (including but not limited to three rural preferential rates, county and township preferential rates, fixed rate preferential rates, etc.) will not be counted;

7. If the merchant traded by the cardholder violates the parameter setting specification of the relevant bank card acceptance machine of China UnionPay, the cardholder's transaction in this merchant will not be counted.

Extended information:

Ping An Bank gives or deducts points in the following ways:

1. Cardholders can accumulate one Miles Points when they spend RMB 1 yuan, and seven Miles Points when they spend USD 1 yuan. In the RMB account of the same credit card, the effective integral consumption of the supermarket industry (merchant category code is 5411) is calculated at a maximum of 3, yuan per month (the consumption in the supermarket co-branded card store is not subject to this restriction). Within the scope permitted by law, Ping An Bank reserves the right to adjust the conversion ratio of points;

2. The single consumption amount is rounded to the nearest yuan to calculate the integral;

3. When two or more Ping An credit cards are held by the same cardholder, the accumulated points of credit card spending of each card are accumulated separately by card, but they can be used together. The total points of the main card and the supplementary card are added to the main cardholder's points account;

4. The upper limit of accumulated points in credit card transactions every month shall not exceed the fixed amount of the account. If the fixed quota changes in the current month, the fixed quota value at the end of last month shall prevail. The fixed limit value is the sum of the fixed limits of all account types under the name of the principal cardholder.

5. If the cardholder returns the goods or services purchased by swiping the card for any reason, or returns the original credit card spending money due to bill signing disputes or other reasons, Ping An Bank will deduct the corresponding points originally given according to the amount of the refunded money;

6. If the credit card is cancelled, the points not exchanged in the account will automatically become invalid; If the credit card is cancelled, the unconverted points under the cancellation card will automatically become invalid. Points cannot be transferred to other circulation cards or transferred to other cardholders;

Ping An Bank-Ping An Bank Credit Card Points Rules