How to calculate points with China Construction Bank Credit Card

Cardholders can accumulate points by swiping their cards with China Construction Bank Dragon Card (except for transactions or merchants designated by China Construction Bank that do not accumulate points). Points Including comprehensive points and special points.

1. Comprehensive points: Cardholders who use Dragon Card credit cards will earn 1 point for every RMB 1 spent (rounded up based on the transaction amount); 7 points for every US$1 spent; and 1 point for spending with a European travel card. EUR 9 points. Special points refer to services that serve the product rights and interests of some credit cards (such as car cards, airline co-branded cards, etc.) and provide points accumulation and point redemption in accordance with specific product rights and interests rules. Holding the Shanghai Volkswagen Dragon Card will earn 1 point for every RMB 166 (or equivalent foreign currency) spent (accumulated in integer multiples of 1 point).

2. The points of the cardholder’s main card and supplementary card are combined and calculated, and the points generated by the consumption of the supplementary card are accumulated to the main card. Points are valid for a maximum of five years (calculated in calendar years, including the year in which points are accumulated). Points accumulated between January 1 and December 31 of each year (i.e. the "first year") will expire on December 31 of the fifth year. Period, all cleared uniformly. Points accumulated before December 31, 2016 (inclusive) are permanently valid.

Example: The points accumulated between January 1, 2017 and December 31, 2017 will expire on December 31, 2021. The remaining points will be automatically cleared and cannot be restored.

(In case of business changes, please refer to the actual situation.)

How to calculate points for credit cards?

Validity period rules for credit card points:

1. Consumption points, except for Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, Great Wall World Elite Credit Cards, Great Wall American Express Private Bank Credit Cards, Except for the National Fitness Card, the accumulation period is one year (from July 1 of each year to June 29 of the next year). The accumulated points are valid for a minimum of two years, and the accumulated points are valid for 24 months. It will expire and be cleared at 24:00 on June 30th. (Example: Points generated during the period from July 1, 2017 to June 29, 2018 will expire on June 30, 2020).

2. The consumption points of Platinum Series Credit Card, Infinity Credit Card, Great Wall Diamond Credit Card, Great Wall World Elite Credit Card, and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.

3. For the points marketing activities carried out by Bank of China, the marketing points will be given to customers who meet the conditions of the activity. The validity period of the given marketing points will be subject to the release of the marketing activity.

4. When a credit card holder cancels the card, the transaction points of the card will be canceled and cleared at the same time. Mutual adjustment of points between credit cards and mutual merging or adjustment of points between different customers are not supported.

The above content is for your reference, please refer to actual business regulations.

The above content is for your reference, please refer to actual business regulations.

How to calculate credit card points? Take stock of the credit card points rules of major banks

Everyone knows that points increase after using a credit card. But do you know that different banks have different algorithms for credit card points? So how to calculate the credit card points of each bank? Next, let me take stock of the credit card points rules of major banks.

How to calculate points for major banks’ credit cards?

1. China Guangfa Bank: Get 1 point for every RMB 1, Hong Kong dollar 1, or US dollar spent.

2. China Merchants Bank: Get 1 point for every RMB 20 spent.

3. Minsheng Bank: Get 1 point for every RMB 1 or USD 1 spent.

4. Industrial Bank: Earn 1 point for every RMB 1 spent and 7 points for every USD 1 spent.

5. Bank of China: Earn 1 point for every RMB 1 spent and 8 points for every USD 1 spent.

6. CITIC Bank: Regular card earns 1 point for every RMB 1 or HKD spent, and 8 points for every US$1 spent; Gold card earns 2 points for every RMB 1 spent; Platinum card The card earns 2 points for every 1 Hong Kong dollar spent and 16 points for every 1 US dollar spent.

7. Bank of Communications: Earn 1 point for every RMB 1 spent and 8 points for every USD 1 spent.

8. China Construction Bank: Earn 1 point for every RMB 1 spent and 10 points for every USD 1 spent.

9. Industrial and Commercial Bank of China: Earn 1 point for every 1 RMB or 1 HKD spent, 8 points for every 1 US dollar spent, and 10 points for every 1 euro spent.

10. Agricultural Bank of China: Earn 1 point for every RMB 1 spent and 8 points for every USD 1 spent.

11. Shanghai Pudong Development Bank: Earn 1 point for every RMB 1 spent and 16 points for every USD 1 spent.

However, there are four major categories of card usage that cannot be used to earn points normally: the first category is card swiping methods with low deduction rates, including car and house purchases, wholesale, etc.; the second category is stored value payment, such as provident fund, Tuition fees, various recharges, etc.; the third category is the expenses incurred by the credit card itself, including credit card cash withdrawals, interest, various handling fees, etc.; the fourth category is the non-points consumption stipulated by each bank. If you want to earn points quickly, it’s better to participate in the bank’s multiple points activities.

How to calculate Bank of China credit card points

Credit card points accumulation rules for Bank of China cards:

1. According to product accumulation classification:

（ 1) Regular, gold and titanium card products of BOC series credit cards and Great Wall series credit cards accumulate 1 point for every RMB spent (excluding Air China Zhiyin BOC Credit Card);

(2) Platinum series credit cards, Infinite Credit Card, Great Wall Diamond Credit Card, and Great Wall World Elite Credit Card accumulate 1 point for every RMB 1 spent in transactions within China (excluding Hong Kong, Macao, and Taiwan), and double points in other countries and regions.

(3) The Great Wall American Express Private Bank Credit Card accumulates 2 points for every RMB 1 spent in China and other countries and regions.

(4) Air China Zhiyin BOC Credit Card will accumulate 1.5 points for every RMB 1 spent (of which 1 point will be automatically converted into Air China miles as part of the "MileagePlus" program, and 0.5 points will be accumulated into the transaction points account under my name) .

(5) Hold a car card (including Great Wall Global Tongda Auto Credit Card, Shanghai Tong Card, Bank of China Express Credit Card, Bank of China Liaotong Credit Card) at any gas station across the country (the merchant's MCC is 5172, 5541 and 5542 gas merchants) can earn 0.5 points for every RMB spent.

(6) The Great Wall corporate business card will accumulate 1 point for every RMB 25 spent; the financial business card and the Great Wall corporate card will accumulate 1 point for every RMB 1 spent.

(7) China Mobile Credit Card Platinum Card accumulates 1.5 points for every RMB 1 spent in transactions within China (excluding Hong Kong, Macao and Taiwan), and double points in other countries and regions.

(8) For all credit cards with automatic points redemption function (such as airline co-branded cards, Ctrip co-branded cards, etc.), their consumption points (unless otherwise specified) will be automatically converted into corresponding points on the monthly statement date. For products or services of partner institutions (such as air miles, Ctrip gift cards, etc.), the redemption ratio is subject to the co-branded card rules; its marketing points will not be automatically redeemed, and cardholders can actively redeem them through the Bank of China points redemption channel. The redemption rules The points redemption channel announcement shall prevail.

No transaction points will be accumulated for purchases of less than 1 yuan with the above credit cards.

2. Classification according to foreign currency accumulation:

(1) For credit cards in U.S. dollar currency, the ordinary card, gold card, and titanium card grade products accumulate 7 points for 1 U.S. dollar spent. Series credit cards, unlimited credit cards, Great Wall Diamond Credit Card, Great Wall World Elite Credit Card, and Great Wall American Express Private Bank Credit Card-level products accumulate 14 points for every dollar spent.

(2) For credit cards in Japanese yen currency, 1 point will be accumulated for every 14 yen spent on Ordinary Card, Gold Card, and Titanium Card level products. Platinum Series Credit Cards, Unlimited Credit Cards, Great Wall Diamond Credit Cards, and Great Wall World Credit Cards Earn 2 points for every 14 yen spent on Zhiji Credit Card and Great Wall American Express Private Bank credit card products.

(3) For credit cards in euro currency, the ordinary card, gold card, and titanium card level products earn 7 points for every euro spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Extreme Credit cards and Great Wall American Express Private Bank credit card-level products accumulate 14 points for 1 euro spent.

(4) For credit cards in the pound currency, the ordinary card, gold card, and titanium card grade products accumulate 10 points for every pound spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Extreme Credit cards and Great Wall American Express Private Bank credit card-level products accumulate 20 points for every ￡1 spent.

(5) For credit cards in Australian dollar currency, the ordinary card, gold card, and titanium card products accumulate 5 points for every Australian dollar spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Earn 10 points for every Australian dollar spent on Zhiji Credit Card and Great Wall American Express Private Bank credit card products.

(6) For credit cards in Hong Kong dollar currency, the ordinary card, gold card, and titanium card level products will accumulate 1 point for every HK dollar spent. Platinum series credit cards, unlimited credit cards, Great Wall Diamond Credit Cards, and Great Wall World Ultimate Credit Cards Credit cards and Great Wall American Express Private Bank credit card-level products will accumulate 2 points for every HKD spent.

(7) Spending US$3 with the Great Wall Corporate Business Card accumulates 1 point.

3. Installment payment business accumulation rules:

When the Bank of China (Great Wall) series credit card installment payment transactions are deducted from the account in each installment, points will be generated based on the installment amount. 1 RMB accumulates 1 point; if the customer applies for one-time repayment in advance, points will be generated based on the amount of the one-time repayment.

4. The following items will not accumulate transaction points:

(1) Various interests and handling fees stipulated in the Bank of China Credit Card Articles or Receipt Contract, including but not limited to the credit card annual fees, cash withdrawal fees, overdraft interest, liquidated damages, and other credit card charges;

(2) Credit card transfers, cash withdrawals, deposits (repayments), deductions, payment fees, credit balance returns, Manual order pressing transactions;

(3) Online banking and telephone banking payments, etc.;

(4) Low or zero discount rate and special categories of merchant consumption, including but not Limited to merchant consumption and financial and government payment transactions (such as insurance) in real estate, car sales, wholesale transactions, public hospitals, public schools, junior and senior schools, government services, charities and public institutions, non-profit enterprises and other industries. , fines, investments, bails, taxes, etc.), the above information will be adjusted according to the merchant types of relevant institutions such as UnionPay;

(5) The acquiring institution is set up in accordance with the relevant regulations of China UnionPay and other relevant institutions Consumption at whitelisted merchants with special billing marks, discounts, exemptions, or non-standard billing;

(6) Consumption via card swiping from third-party payment platform merchants;

(7) Consumption at a merchant whose MCC code of the merchant category is not listed in the China UnionPay merchant category code;

(8) Consumption via domestic online transactions with UnionPay brand credit card;

5. Other rules for points accumulation:

(1) There is a cap on points for consumption transactions within the billing cycle: for cards with a credit limit greater than 5,000 yuan, the cap will be 300% of the credit limit, that is, the accumulated points within the billing cycle will reach No points will be accumulated for domestic consumption transactions that exceed 300% of the credit limit; for cards with a limit of less than or equal to 5,000 yuan or zero limit, the accumulated points for domestic consumption transactions within the billing cycle will be capped at 15,000 points.

(2) If the goods or services purchased with the card are returned for any reason, or the money is refunded due to billing disputes, or other reasons, Bank of China will deduct the accumulated transaction points at that time.

(3) Participate in the points marketing activities carried out by Bank of China from time to time, meet the activity rules and meet the points accumulation conditions during the marketing activities, and accumulate points according to the amount stipulated in the activity rules.

The above content is for your reference, please refer to actual business regulations.

How to calculate points for CCB credit card?

1. The calculation rules for CCB credit card points are as follows: \1. CCB credit card points include basic points and bonus points. \2. The basic points are that cardholders who use the Dragon Card credit card will earn 1 point for every RMB 1 spent (spent with the Shanghai Volkswagen Dragon Card, 6 points for RMB 1,000); and 7 points for every USD 1 spent (spent with the Shanghai Volkswagen Dragon Card) , 4.2 points for every 100 U.S. dollars spent); 9 points for 1 euro spent with a European travel card.

\3. If you successfully handle the CCB credit card merchant installment and mail-order installment business, you will receive points equal to the total installment principal at one time (originally the corresponding points accumulated when the principal repayable in each period is entered into the account); successfully handling the consumption installment business will not change the original transaction. Points, no additional points; successfully handling car purchase installment and housing installment business will no longer accumulate corresponding points. \4. The calculation date of CCB credit card points is the bank recording date of the consumption. \5. CCB credit card reward points are additional points calculated to encourage cardholders to make specific purchases, use the card or use related products, or participate in activities and meet the reward conditions. Reward points are calculated and used according to the activity terms announced for points reward activities. For example, card sign-up bonus points, activity points doubled, etc. \6. The points of the cardholder's main card and supplementary card are combined and calculated, and the points generated by the consumption of the supplementary card are accumulated to the main card\\ 2. Points accumulation rules for CCB credit cards\ Cardholders use CCB credit cards in hotels, hotels, restaurants, Points can be accumulated for card purchases at entertainment, department stores, and other retail stores, as well as for mail orders and installment payments through the China Construction Bank Credit Card Center. \\Three, items that are not included in the calculation of CCB credit card points:\1. Payment of revolving credit interest, annual fees, late payment fees, installment fees and other fees, Long Card credit card cash withdrawal and repayment;\2. Payment through withholding Relevant fees paid by other methods and transactions paid by card on behalf of others;\3. Merchant consumption in real estate, cars, wholesale, hospitals, schools, etc., as well as non-profit industries such as charities and social services, as well as financial and government payment transactions (such as insurance, Investment, taxes, fines);\4. Other transaction types and merchants designated by China Construction Bank. \5. If the merchant fails to install bank card acceptance machines in accordance with China UnionPay regulations, resulting in points being calculated for transactions that should not be awarded points, China Construction Bank has the right to deduct this part of the cardholder's points. If the acquiring bank or merchant fails to China Construction Bank will not be held responsible if the merchant categories are correctly set up in accordance with China UnionPay regulations, thereby affecting the accumulation of points. \6. If the goods or services purchased with the card are returned for any reason, or the money is refunded due to disputes over the purchase order, or other reasons, China Construction Bank will deduct the points originally obtained through this transaction. \\If you are still unclear about how CCB credit card points are calculated, you can call customer service hotline 95533 for detailed consultation.

How to calculate Bank of China credit card points?

Bank of China credit card points calculation rules:

1. BOC series credit cards, Great Wall series credit cards, regular cards, gold cards, and titanium card products accumulate 1 point for every RMB 1 spent." BOC Points 365" bank card consumption points (except Air China Zhiyin BOC Credit Card).

2. For every RMB 1 spent in China (excluding Hong Kong, Macao and Taiwan) with platinum-level credit cards or above, you will accumulate 1 "BOC Points 365" bank card consumption point, and for every RMB spent in other countries and regions, Spending RMB 1 accumulates 2 "BOC Points 365" bank card consumption points. Among them, the Great Wall American Express Private Bank Credit Card accumulates 2 "BOC Points 365" bank card consumption points for every RMB 1 spent in China and other countries and regions.

3. For all credit cards with the function of automatic point redemption (such as airline co-branded cards, etc.), the bank card consumption points (unless otherwise specified) will be automatically converted into points from the corresponding partner institution on the monthly statement date. For products or services (such as air miles, etc.), the redemption ratio is subject to the rules of the co-branded card; its marketing points will not be automatically redeemed. Cardholders can actively redeem them through the points redemption channel of Bank of China. The redemption rules are announced through the points redemption channel. allow.

4. For US dollar-denominated credit cards, you can accumulate 7 "BOC Points 365" bank card consumption points for every US dollar spent on ordinary card, gold card, and titanium card level products. For platinum-level and above credit cards, you can accumulate 7 points for every US dollar spent. Accumulate 14 "BOC Points 365" bank card consumption points.

5. For credit cards denominated in Japanese yen, if you spend 14 yen on ordinary card, gold card, or titanium card level products, you will accumulate 1 "BOC Points 365" bank card consumption point, and for platinum level or above credit card consumption 14 yen accumulates 2 "BOC Points 365" bank card consumption points.

6. For credit cards in euro currency, 1 euro spent on ordinary card, gold card, and titanium card products will accumulate 7 "BOC Points 365" bank card consumption points, and 1 euro spent on platinum-level or above credit cards. Accumulate 14 "BOC Points 365" bank card consumption points.

7. For credit cards in pound currency, 1 pound spent on ordinary card, gold card, and titanium card products will accumulate 10 "BOC Points 365" bank card spending points. 1 pound spent on credit cards with platinum level or above Accumulate 20 "BOC Points 365" bank card consumption points.

8. For credit cards in Australian dollar currency, for ordinary card, gold card, and titanium card level products, 1 Australian dollar spent will accumulate 5 "BOC Points 365" bank card consumption points, and for platinum level and above credit card consumption, 5 points will be accumulated for each Australian dollar spent. 1 Australian dollar accumulates 10 "BOC Points 365" bank card consumption points.

9. For credit cards denominated in Hong Kong dollars, every HKD spent on Ordinary Card, Gold Card, and Titanium Card products will accumulate 1 "BOC Points 365" bank card spending point. 1 HKD spent on Platinum or above credit cards will be accumulated. Accumulate 2 "BOC Points 365" bank card consumption points.

10. Holding a Great Wall corporate business card and spending US$3 will accumulate 1 "BOC Points 365" bank card consumption point.

11. There is a cap on consumption transaction points within the billing cycle: for credit with a credit limit greater than 5,000 yuan, the cap will be based on 300% of the credit limit, that is, within the country where the cumulative total reaches more than 300% of the credit limit within the billing cycle Consumption transactions do not accumulate "BOC Points 365" credit card consumption points; for cards with a limit of less than or equal to 5,000 yuan or zero limit, the accumulation of "BOC Points 365" credit card consumption points for domestic consumption transactions within the billing cycle reaches a maximum of 15,000 points.

12. If the goods or services purchased with the card are returned for any reason, or the money is returned due to billing disputes, or other reasons, Bank of China will deduct the "BOC Points 365" bank card accumulated at that time. Spend points.

Warm reminder: The specific points accumulation rules for each credit card are subject to the product rights announcement; credit card consumption of less than 1 yuan will not accumulate "BOC Points 365" bank card consumption points.

The above content is for your reference, please refer to actual business regulations.

This is the end of the introduction on how to calculate credit card points and how to calculate points for swiping credit cards. I wonder if you found the information you need?