How to calculate China Merchants Bank credit card points
The general calculation method of China Merchants Bank credit card points is as follows:
1. Ordinary credit card points rules:
Hold When making a single purchase with the card, you can accumulate 1 point for every RMB 20 or USD 2 spent. When using an additional card to make a purchase, the points generated will be accumulated in the main card account.
2. Points rules for car owner cards and city cards:
When holders of car owner cards and city cards spend, you can accumulate 1.5 points for every 20 yuan or 2 US dollars spent, and the validity period is 3 Year.
3. Points rules for aviation co-branded credit cards:
One mile will be earned for every RMB 18/USD 2 of the credited amount for a single purchase, and ANA co-branded card will be credited to one mile for every single purchase. Every RMB 20/USD 2 will earn 1 mile.
4. Points rules for the Premium Platinum Installment Card:
For every RMB 20 of automatic installment credit, 2 China Merchants Bank permanent points will be accumulated. Original transactions for general card consumption will no longer accumulate. integral.
Chinese Merchants Bank credit card point calculation rules:
Chinese Merchants Bank credit card consumption accumulates points, and one point is awarded for every 20 yuan/2 US dollars spent in a single transaction. Car cards and city-themed series gold cards accumulate 1 point for every 20 yuan or 2 US dollars, and receive an additional 50% of the points (points are rounded up to an integer), but are valid for 3 years. YOUNG Card Youth Moderator Card and Sina Weibo Credit Card holders who use this card to make purchases in their birthday month will be rewarded with an extra 1x points, up to a maximum of 2,000 points.
Accounts to which points belong: All points accumulated from consumption under the name of the principal cardholder and the supplementary cardholder belong to the points account of the principal cardholder and can only be used by the principal cardholder. The points of personal cards and personal debt-bearing commercial cards that accumulate permanent valid points of China Merchants Bank credit cards are calculated together.
Cardholders can learn about the rights, products, services and flight miles that CMB points can redeem through credit card statements, online banking and other channels. They can also use CMB WeChat official account, mobile banking, Redeem gifts through customer service, designated cooperative merchants and other channels.
I hope my answer can be helpful to you, it would be a great honor to thank you
How to obtain China Merchants Bank points
1. You can do it offline By using the China Merchants Bank credit card, you will earn 1 point for 1 yuan spent, 7 points for 1 US dollar spent, and double points on your birthday;
2. Earn credit card points by signing in, such as at China Merchants Bank Points can be earned by signing in on the credit card app Palm Life or through the China Merchants Bank Credit Card WeChat official account;
3. Apply for installment purchases with a China Merchants Bank credit card to get extra consumption points;
4. Recommend relatives and friends around you to apply Points can be earned with China Merchants Bank credit cards.
China Merchants Bank Credit Card Points Rules:
1. Our bank’s credit card consumption accumulates points, and 1 point is awarded for every 20 yuan/2 US dollars spent in a single transaction. The points are permanently valid. Points cannot be combined with others. (The points accumulation rules for money deposited into the card are the same);
2. AE Express card points, car card points, Jiuyou card points, Happy card points, World of Warcraft card points, FAW Toyota card points, QQVIP card points, city card points and Thinkpad card points will be combined into CMB credit card points at a ratio of 1:1;
3. The rules for accumulating points by swiping car cards and city cards remain unchanged: you can still get 0.5 times the bonus points, and they will remain valid for 3 years; after the merger, customers can check the points that will expire within half a year through online banking, mobile banking, and the official credit card APP mobile life channel.
4. Airlines co-branded credit cards will earn 1 mile for every RMB 18/USD 2 spent in a single transaction, and ANA co-branded cards will earn 1 mile for every RMB 20/USD 2 spent in a single transaction. The validity period of consumption miles shall be subject to the announcement of the partner.
5. The CMB credit card points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer in each installment (general card consumption will no longer accumulate points), that is, every time the amount automatically credited to the account is reached RMB 20 accumulates 2 China Merchants Bank permanent points. Generally, the original transaction of swiping a card will no longer accumulate points. Points can be redeemed for platinum value-added service rights, ordinary points products, platinum exclusive point products and other card center store point redemption products, etc.
Overview of the value of credit card points of each bank:
1. Bank of China
The best redemption products for non-co-branded cards of Bank of China are China Southern Airlines Miles and Jingdong Steel_, The mileage redemption ratio of China Southern Airlines is 15,000:50, the upper limit is 300,000 miles/year, and the value of 100,000 points is 270 yuan.
2. Agricultural Bank of China
The best non-co-branded redemption product of Agricultural Bank of China is also China Southern Airlines miles. The redemption ratio is 20:1, the upper limit is 100,000 miles/year, and the value of 100,000 points is 4.40 Yuan, points can be automatically combined and used when redeeming.
3. Industrial and Commercial Bank of China
The best redemption products for non-co-branded cards of ICBC are phone bills and gas cards. The redemption ratio is 500:1, with no upper limit. 100,000 points are worth 200 yuan. , can be automatically combined and used.
4. China Construction Bank
The best redemption product of China Construction Bank is the Sinopec gas card. The redemption ratio for other non-co-branded cards except car cards is 540:1, with no upper limit, 10 The value of 10,000 points is 180 yuan, which can be manually combined and used through online banking.
5. Bank of Communications
The best redemption product for non-co-branded cards of Bank of Communications except Bai Qilin is water, electricity, coal and phone bills. The redemption ratio is 667:1, and the upper limit is 5% of the order amount. %, 100,000 points are worth 150 yuan. In addition, Bai Qilin redeemed 100,000 China Southern Airlines mileage points worth 440 yuan.
6. China Merchants Bank
China Merchants Bank’s classic white best redemption product is China Southern Airlines miles. 100,000 points can be worth 10,670 yuan. Other non-co-branded cards can be redeemed for Starbucks at 799 points/cup. 100,000 points are worth 4,130 yuan, but CMB only costs 1 point for 20 yuan.
7. Shanghai Pudong Development Bank
The best redemption product of Pudong Development Bank is China Southern Airlines miles. The redemption ratio of AE White is 9600:800, and the ordinary card is 48000:800. AE White is worth 100,000 points. 670 yuan, the ordinary card is worth 130 yuan.
8. China CITIC Bank
CITIC Bank’s best redemption product is also China Southern Airlines miles. The redemption ratio for the platinum card with a rigid annual fee is 25:1. 100,000 points are worth 320 yuan, free of charge. The exchange ratio for annual fee platinum cards and gold cards is 50:1, and 100,000 points are worth 160 yuan.
How to quickly earn points with China Merchants Bank credit card
As we all know, China Merchants Bank credit card points are the most difficult to accumulate. You can only accumulate 1 point for every 20 yuan spent. If you want to accumulate up to Earning thousands of points is a very long process. However, there are policies and countermeasures. As long as you play well with your credit card, it is not impossible to accumulate points quickly. Here are some tips.
The first step: Be familiar with the points rules of China Merchants Bank’s credit cards
It is said that only by knowing yourself and the enemy can you win every battle. The accumulation of credit card points is also the same. Only by mastering the rules of points can you accumulate points quickly. Rules of points of China Merchants Bank’s credit cards It's like this:
1. Ordinary credit card consumption accumulates points, and every 20 yuan/2 US dollars in a single purchase earns 1 point.
2. Car cards and city theme series gold cards accumulate 1 point for every 20 yuan or 2 US dollars, and an additional 50% of the points will be given (the points value is an integer), which is double points. You can also pay quickly online. Double points.
Second tip: You can accumulate multiple points on birthday month purchases
China Merchants Bank sometimes offers similar activities such as 10 times points on your birthday month, so you can concentrate some necessary purchases into In birthday month, quickly earn multiple points for activities.
If there are no activities, but you hold the YOUNG Card, Sina Weibo Credit Card, or GQ Card, you can accumulate double points by spending in your birthday month.
The third trick: Use a combination of cards to get a high redemption rate
This is actually used in conjunction with the first trick, which is to use the card with double points as a Zhu swipe card, and then use the platinum card as a redemption card.
The China Merchants Bank Platinum Card can be redeemed for relatively high-value miles and hotel points, and the City Card can accumulate multiple points. In this way, a combination of cards can quickly earn a large number of points.
The fourth tip: Participate in various points activities
For example, China Merchants Bank’s current 10-yuan storm event and bill installments can also give you points.
Secondly, China Merchants Bank Credit Card has also developed some credit cards that are free of charge and have points for the first cash withdrawal of the month, targeting the consumption of young people, including YOUNG, Weibo Card, GQ Card, and City Card. Use these cards The first cash withdrawal of each month is free of charge, and you can also accumulate points. Every 20 yuan/transaction = 1 point.
You need to know how to calculate points with China Merchants Bank credit card and these three uses
Don’t underestimate credit card points. Accumulating them will be of great use. Points can be earned from spending with China Merchants Bank credit card. Redeem points for a wide variety of gifts. CMB points are so easy to use, so how are CMB credit card points calculated? I believe that all cardholders are very concerned about this question, and I will help you answer it below.
How to calculate points for China Merchants Bank’s credit cards
There are many types of cards issued by China Merchants Bank, and the algorithm for points is also different. There are mainly four categories:
1 , China Merchants Bank credit card consumption accumulation points, single consumption of 1 point for every 20 yuan / 2 US dollars, supplementary card consumption points are accumulated under the main card account. Some merchants do not accumulate points for consumption. You can check it through the official website of China Merchants Bank or call the customer hotline 4008205555 for consultation.
2. Use car cards and city cards to accumulate points, and you can get multiple bonus points, which are valid for 3 years.
3. Airlines co-branded credit cards will earn 1 mile for every RMB 18/USD 2 spent in a single transaction, and ANA co-branded cards will earn 1 mile for every RMB 20/USD 2 spent in a single transaction. The validity period of consumption miles varies according to the regulations of the airline.
4. The points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer in each installment. That is, for every RMB 20 of the automatic installment credit, 2 China Merchants Bank permanent points will be accumulated. Points will no longer be accumulated for the original transaction of general card consumption. Premium Platinum Credit Card points can be redeemed for Platinum value-added service rights.
Use of points for China Merchants Bank Credit Card
1. You can redeem points for gifts and participate in points draws on the China Merchants Bank Credit Card Website - Points Plan section.
2. In cooperative merchant stores, swipe points to redeem goods and deduct consumption like swiping a credit card.
3. Can be redeemed for air miles, limited to Platinum Card and American Express Card.
How to get China Merchants Bank credit card points
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. So how to get China Merchants Bank credit card points?
1. China Merchants Bank credit card points can be obtained through these channels: swiping the card for consumption. Points are calculated based on the amount of a single purchase, and 1 point is earned for every 20 yuan/2 US dollars. Click "Raise Meow" in Palm Life, feed the cat every day, and accumulate points to redeem them when certain conditions are met. Participate in the "Daily Red Envelope" task in Palm Life, and you will receive points as a gift if you complete the task as needed.
2. You can also get more points by applying for an additional card, because all the accumulated points for consumption under the name of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and can only be used by the main cardholder. China Merchants Bank Credit Card has long held a variety of points reward activities, such as receiving points for recommending relatives and friends to apply for the card, etc. You can follow the Palm Life APP to keep track of event information.
3. When earning points, you need to pay attention to skills. For example, when swiping a card to make a purchase, try to choose a store that can collect points, because some merchants do not accumulate points for transactions and credit card charges. Specific details in this regard can be found in the credit card points section of China Merchants Bank’s official website. Points are permanent points and points with a valid period. Generally speaking, points obtained from cash withdrawals, bill installments, daily consumption, and recommending friends are permanent points; points awarded in some activities are points with a valid period. For details, please refer to the description of the activity.
Final reminder: In the process of continuously accumulating points, pay attention to going to the points mall to redeem your favorite gifts or other benefits. You can also use points to redeem annual fees.
How are China Merchants Bank’s credit card points calculated?
The calculation methods for China Merchants Bank’s credit card points are:
1. Calculation of general credit card points
When you use your China Merchants Bank credit card to spend a single amount of 20 yuan in a mall, you can redeem 1 point. If you spend a single amount of 2 US dollars overseas, you can get 1 point;
2. Car card, Points calculation for city theme series credit cards
Users who use these two cards can accumulate one point for every 20 yuan spent, and 1 point for every 2 US dollars spent overseas, and an additional 50% points will be given;< /p>
3. Calculation of points for YOUNG Card Youth Moderator Card, Sina Weibo Credit Card, and GQ Credit Card
Users of these three types can generally use the card to make purchases in the month of their birthday, and they will receive an additional reward of 1 Double points, with a maximum reward of 2,000 points.