What are the points on credit cards? What are the benefits?

Credit card points are an additional product for your card consumption. If you have more points, you can go to the bank's points mall to redeem gifts.

The main sources of points:

1. Open a card. Many banks will give you a certain amount of points once you activate your credit card and use it once.

2. For consumption and cash withdrawal, you will get points when you use the card to make purchases or go to ATM machines to withdraw cash. However, you will not get points when you swipe your card at discount rate POS machines such as wholesale markets or public welfare institutions such as hospitals and schools. Use There are no points for recharging phone bills or recharging money to Taobao and Alipay.

Some banks earn one point for 1 yuan, some require spending 10 yuan to earn one point, and some offer double or triple points during promotions, but they are actually the same, because every point is valuable. It’s different.

The benefits of credit card points (more common).

1. Redeem gifts. You can go to the bank's official website of your credit card to look for credit card points options, and you can see some of the products that the points can be redeemed for and the point prices of the products. Of course, the products of each bank may be different. In addition to physical objects, there will also be some products, experiences, etc.

2. Points can be redeemed for part of the consumption, or you can go to the mall to redeem gifts. In short, this part of the exchange is provided by the merchant, and the merchant has the final say. Points can be used as cash. This is a new method that has emerged in recent years. In bank cooperative stores, there will be exchanges, and points can be used as cash to buy things. For example, you can redeem it in some department stores, such as New World Department Store, Starbucks, etc. However, in general, it still depends on the type of credit card. Some credit cards can be redeemed a lot, and some can be redeemed less.

3. Redeem mileage. Points from some credit cards can be directly redeemed for miles, but generally you need to be a VIP user of the airline. The miles redeemed by points can be used when you go on a business trip or travel.

4. Points can be used to change oil. For example, CCB Longka Auto Card can use points to change oil. It is a type of CCB credit card oil card. Points are generally redeemed for oil. The car owner's card may also be redeemed for oil or tolls. For example, the redemption ratio of car card points for oil change is: the portion above 50,000 points (exclusive) is calculated as 4‰ to be redeemed for refueling (that is, the portion of points exceeding 50,000 points is redeemed for 40 yuan for refueling for every 10,000 points), and the portion below 50,000 points is calculated as 2‰ exchange for gas fees (i.e. every 10,000 points can be exchanged for 20 yuan for gas fees).

What can you do with CCB credit card points?

CCB credit card points can be redeemed for gifts and coupons as well as charity donations. The redemption steps are as follows:

1. Open the official website of CCB and select points redemption.

2. After entering the points mall, you can choose the card exclusive and enter the page to redeem.

3. You can choose to donate.

Extended information:

Introduction to CCB Points to Realize Dreams and Micro-Public Welfare:

Although the points are small, when aggregated, they will generate huge positive energy, and donating to others is also an achievement. yourself and realize your beautiful charity dream. The Central Financial Youth League Working Committee also officially launched the "Financial Youth Volunteer Charity Points to Realize Dreams Action", and "Points to Realize Dreams_Micro-Public Welfare" is an important part of the action.

Reference: China Construction Bank - Points Mall

What are the uses of CCB points?

Can be exchanged for gifts.

Construction Bank cards will earn points for every purchase, and you will get 1 point for every dollar spent. At the same time, China Construction Bank has specially set up a points mall. Users can use points to exchange for the products they need in CCB's points mall. or service.

If your personal online banking score is high enough, you can choose to call 95533 to apply for manual service, or you can log in to the CCB homepage to inquire and select your favorite gifts.

Common products for points redemption include coupons: Tencent video, iQiyi monthly membership card (annual card), merchant coupons, etc., digital home appliances: digital cameras, air purifiers, vacuum cleaners, watches, etc. Kitchen supplies: coffee machines, rice cookers, pots, juicers, bread machines, etc.

There are two types of Construction Bank points:

1. One is consumption points. If you accumulate enough consumption points, you can exchange them for gifts.

2. One is online banking points.

CCB online banking points can be redeemed for prizes when they reach a certain level. CCB holds such an event every year, and the specific time will be notified online. However, individuals need to take the initiative to redeem.

What are the special points for CCB car cards used for?

In addition to being able to participate in the Dragon Card credit card points gift redemption, CCB Long Card car card consumption points can also enjoy exclusive oil change discounts. The points can be used exclusively to redeem gas fees. Redemption rules:

( 1) Oil change in the Longka Auto Card Points Redemption Area: Every 25,000 Longka Auto Card points can be redeemed for 100 yuan in fuel expenses (redeemed as an integer multiple of 100 yuan in fuel expenses).

(2) Points POS oil change: the starting redemption point is 50,000 points, which can be redeemed in multiples of 250 points; the maximum redemption point for a single transaction is 2,000 yuan (500,000 points); the maximum redemption ratio of points is the recharge amount of 99 (the remaining 1 is paid via car card).

(3) Each card can redeem up to 1 million points per year.

In addition, if your card consumption meets certain conditions, you can enjoy a weekly discounted car wash service at designated car wash outlets with a gold card discount of up to 15 yuan on the retail price. For the amount exceeding the retail price, individuals can pay with car card points (the exchange ratio is 4‰). If the points balance is insufficient, cash payment can be used.

This is the end of the introduction about the use of CCB credit card points and whether CCB points are only available with credit cards. Did you find the information you need?