With a valid Postal Savings Bank credit card, you can get 1 points for a single amount of 1 yuan, and the part that is less than 1 yuan will be rounded off. If you use the credit card of the Postal Savings Bank to make a single consumption, the points generated by the transaction amount will take effect on the day after the transaction entry date. Both the main card and the auxiliary card can accumulate points, and the points of the auxiliary card are merged into the name of the main card.

These transactions do not accumulate credit card points of Postal Savings Bank:

Real estate, automobile sales, wholesale, schools, withholding, tobacco settlement, cash advance, overcharge and overpayment, transfer, pre-authorization, manual account adjustment, return, disputed transaction, online payment, annual credit card fee, revolving credit interest, handling fee and interest on cash advance, expenses arising from overdue payment and "China Postal Savings Bank credit card (personal card) gold card and ordinary card collection".

When you have accumulated points in the process of consumer transactions and applied for a single interest-free installment payment or any interest-free installment payment, you will not be deducted or get points, and you will not accumulate points when sharing the repayment amount in each installment.