How to redeem postal points for goods
The redemption method is as follows:
1. First log in to the browser on the computer, and then enter "Postal Savings Bank of China Points Mall". Then select the point pointed by the red arrow in the list to enter.
2. Next, log in to your postal credit card account on the page.
3. Next, select the "Points Mall" pointed by the red arrow.
4. Then select the product that needs to be redeemed and click "Redeem Now" where the arrow points.
Points Rules
1. Points Rewards
(1) During the period of holding the card, you can get 1 point based on the transaction amount of RMB 1 or more in a single transaction , the part less than 1 yuan is rounded down, and the points will be recorded and effective within T 2 days after the transaction is recorded.
The accumulated points can be used to redeem point products, gift certificates or related value-added services. Supplementary cards do not accumulate points separately, and the points earned are automatically combined and credited to the main card account.
(2) Your consumption on the MasterCard network and VISA network will earn points. The following consumption on the UnionPay network will not accumulate points: real estate, car sales, wholesale, school, and withholding and payment. categories, tobacco settlement, insurance, hospital health, logistics and warehousing, and public sector consumption.
All card products do not accumulate points for the following transactions: cash advance, repayment, overpayment recovery, transfer, pre-authorization, manual adjustment, returns, disputed transactions, online payment (excluding Online quick payment), credit card annual fees, revolving credit interest, cash advance fees and interest, fees derived from overdue payments (such as liquidated damages, interest) and other fees stipulated in the "Receipt Contract" .
(3) Special provisions for card products
1. For gold card level principal cardholders and supplementary cardholders, their consumption points will be doubled on their birthdays.
2. Platinum-level principal cardholders and supplementary cardholders will be rewarded with twice the points for consumption in the month of their birthday, and double the points for each installment of bill installments, transaction installments and cash installment transactions, and the installments will be cancelled. Points will be deducted.
3. Youth-themed credit cards and Rilakkuma-themed credit cards will reward twice the points for quick online purchases. Please log in to check the specific merchant scope.
4. Other credit cards (excluding Zhongyuan Gourmet Card, Sharing Card and Golden Leaf Card) will be rewarded with double points for online quick purchases. For details on the scope of online quick merchants, please refer to "Postal Savings Bank of China Credit Card Points Rewards" "Details".
5. Zhongyuan Food Card is only available when the merchant code (POS purchase order merchant number or UnionPay merchant number 8 to 11) is 5441, 5451, 5462, 5811, 5812, 5813, 5814, 7011 and 7012 consumption will earn double points, other transaction types, merchant types and merchant codes will not earn points.
6. The Hebei Youyuan Yizu Co-branded Card will be rewarded with twice the points for spending at designated co-branded card merchants. For the list of merchants, please see the "Postal Savings Bank of China Credit Card Points Reward Rules".
7. Automatic installment credit card growth card and Lucky Card will calculate double points when amortizing in installments.
8. There are no points for all transactions with Sharing Card and Gold Leaf Card.
9. Xinjiang Huiqin Kapu Card rewards three times the points for each installment of bill installments, transaction installments and cash installment transactions, and points will be deducted when the installment is cancelled.
10. There are no points for consumption in IC card electronic cash accounts.
11. Please refer to the "Postal Savings Bank of China Credit Card Points Rewards Detailed Rules" for the special regulations of China Resources Co-branded Card.
2. Points Inquiry
Your statement will show the new points this month and the total accumulated points. You can also call our credit card customer service hotline, log in to online banking, and "email" Check your points via the "Credit Card" APP or mobile banking.
3. Points are automatically summarized
Points are stored in the name of the cardholder. When the cardholder holds multiple main credit cards, the points of each card are calculated and unified according to the rules of each card product. It is stored in the name of the cardholder. After one or more of the principal cards are cancelled, the points of the original card will not be affected. When the cardholder cancels his account and does not have another principal card in Postal Savings Bank, the points in his name will be cleared. Zero failures.
4. Points validity period
(1) Regular and gold card products: Points generated by customers’ consumption and installments, points credited before 0:00 on February 1, 2021 Valid forever. Starting from 0:00 on February 1, 2021, the new points are valid for 60 months from the month of generation.
(2) The points generated by platinum card products through consumption and installment are valid forever.
How to redeem Postal Savings Bank credit card points for Starbucks? Is it a good deal?
The Postal Savings Bank Credit Card WeChat official account pushed a message that “Points can be redeemed for Starbucks medium cup coupons!”, which attracted the attention of many cardholders. Many cardholders said that their first reaction after seeing this information was that they were happy. Although they were redeeming a medium cup, it was better than nothing. While they were happy, they wanted to know whether it was a good deal and whether the price was high. Let’s learn more about it together.
1. How to redeem Postal Savings Bank credit card points for Starbucks
There are three channels for exchanging Postal Savings Bank credit card points for Starbucks, one is through the WeChat official account, the other is through mobile banking, and One is PSBC Credit Card APP redemption. Here is a brief introduction to the redemption process of the three channels:
1. WeChat public account redemption: Follow the Postal Savings Bank Credit Card WeChat and click My Account in "ding~account" , click "My Points" after bill inquiry, click ""Please go to WeChat Mall to inquire and redeem points" and then find the Starbucks activity entrance on the homepage, and you can use points to redeem.
2. Bank mobile banking redemption : Download Postal Savings Bank mobile banking, click on the "Credit Card" channel, find and click "Points Shopping" and then go to the homepage to find the Starbucks activity entrance on the homepage, and redeem it with points.
3. Redeem using credit card APP: Download. In the Postal Savings Bank Credit Card APP, click "E Mall and Activities" to enter the points mall homepage and find the Starbucks event entrance on the homepage.
2. Is it cost-effective to redeem Postal Savings Bank credit card points for Starbucks?
You can also see on the Bank of China’s Starbucks redemption page that it takes 37,000 points to redeem a medium cup of Starbucks drink.
What is the concept of 37,000 points based on the points accumulated on the Bank of China Post’s credit card without taking into account other promotions? The rule is that 1 yuan = 1 point. This cup of Starbucks is equivalent to paying 37,000 yuan, and it is still a medium cup. However, most bank credit cards require 15,000-17,500 yuan to exchange for a large cup of Starbucks coffee. It’s not particularly cost-effective to redeem bank credit card points for Starbucks.
If you insist on redeeming them, they won’t stop you!
Where can I redeem Postal Bank credit card points?
Postal Savings Bank bank credit card users can call Postal Savings Bank Savings Credit Card 24-hour customer service hotline 400-889-5580, press 5 to enter the points and SMS service, you can check your redeemable points, and then transfer to a manual agent to repay the points. Gift application.
Warm tips for redeeming Postal Savings Bank credit card points:
1. The points of the Postal Savings Bank savings credit card supplementary cards are combined into the main card account, and the supplementary card holder Points cannot be redeemed for gifts, and the principal cardholder must apply to redeem points for gifts.
2. Postal Savings Bank provides Postal Bank Gold Card holders with exclusive gold card gift redemptions, if the conditions are met. Cardholders can redeem it.
Mobile phone model: Huawei p30; mobile phone version: v12.0
1. How long does it take to get rid of the payment suspension of Postal Bank?
The credit card suspension of Postal Bank After payment, it is usually unfrozen within three days. If it is not unfrozen for more than three days, the cardholder can contact the bank staff by phone to ask the reason, or he can bring his bank card and ID card to the bank counter to cancel the bank card payment stop service. Bank card payment is usually stopped due to no transactions for a long time, or bank card overdraft, arrears, and other reasons. You can go to the bank counter to find out the reason to avoid payment stop happening again in the future.
2. How much is the postal bank card SMS fee deducted per month?
The postal bank card SMS fee is 3 yuan per month, and 36 yuan per year. . The so-called SMS fee can also be called messenger fee, which means that when the balance of the bank card account changes, the specific fund changes will be sent to the user through SMS, allowing the user to keep track of the changes in the account funds at any time. But now you can check your account balance at any time through mobile banking. If you don’t need SMS service, you can go to a Postal Bank branch to cancel.
3. Postal Savings Bank query
① Bank client query Download the corresponding bank mobile client, fill in the bank's reserved mobile phone number and login password, and you can query after logging in.
②Business Hall Inquiry: I go to the relevant bank with my ID card to inquire about my bank account information.
③Customer service inquiry: Use the mobile phone number reserved by the bank to call the bank's customer service number, then transfer to manual service, quote the ID number registered at the time of your card to query the bank.
4. What is the interest rate of Postal Bank?
The current deposit interest rate is 0.3, the three-month deposit interest rate is 1.35, the six-month deposit interest rate is 1.56, and the one-year deposit interest rate is The two-year deposit interest rate is 2.25, the three-year deposit interest rate is 2.75, and the five-year deposit interest rate is 2.75.
5. How to check the postal account bank
①Telephone inquiry. The customer service hotline is 95580. You only need to provide the ID card information and name of the household head, as well as the Postal Savings Bank card account number, and you can check the account opening bank information.
② Go to the counter of any bank branch to inquire. Go directly to the local Postal Savings Bank of China counter for consultation. You usually need to provide your ID card information and China Postal Savings Bank card to obtain the specific account opening bank information.
③Postal Savings Bank of China online banking inquiry.
That’s it for the introduction of the Postal Savings Credit Card Points Mall.