1. Various interests and handling fees specified in the applicable credit card articles of association or collection contract, including but not limited to annual credit card fees, cash withdrawal transaction fees, overdraft interest, liquidated damages and other credit card fees.

2. Transfer transactions, cash withdrawal transactions and online transactions (but some designated online transactions can accumulate points *).

Online dollar consumption refers to the consumption whose transaction code is online consumption and is traded through VISA or MasterCard.

The accumulated points of the Bank of Communications Points Paradise refers to some cash consumption except the scenes of payment, telephone recharge and fuel card recharge.

3. Merchant transactions (including but not limited to three rural merchants, county and township preferential merchants, etc.). ) The special charging rules of UnionPay apply.

4, a specific category of expenditure.

Including but not limited to real estate; Automobile sales; Wholesale transactions; Hospital; Primary and higher education institutions; Universities, colleges and specialized schools; Charity and social services, non-profit undertakings; Fines; Bail and deposit; Pay taxes; Government services; Embassy and consulate fees; Government loans.

5. Other projects designated by Bank of Communications.

Extended data

Period of validity of points:

Except for the card types specified in these Detailed Rules, the validity period of the points generated by Bank of Communications' credit card consumption is fixed at 24 months, and the points expire month by month, and the expiration date is the end of each natural month. Overdue points will be cancelled.

The validity rules of the points of the following Bank of Communications credit cards are as follows:

1. Bank of Communications Wal-Mart credit card points are valid for 12 months, and the points expire month by month. The due date is the end of each natural month.

2. Points of Bank of Communications Eastern Airlines Credit Card, Bank of Communications Air China Phoenix Companion Credit Card, Bank of Communications Tesco Credit Card, Bank of Communications CP Lotus Credit Card, Bank of Communications CR Vanguard Credit Card, Bank of Communications China Resources Su Guo Credit Card and Bank of Communications AEON Credit Card are automatically converted into fellowship points/miles.

Bank of Communications-Bank of Communications Credit Card Points Reward Scheme Rules