Credit card points accumulation rules for Bank of China cards:

1. Accumulation classification by product:

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

(2) Platinum Series Credit Cards, Unlimited Credit Cards, Great Wall Diamond Credit Cards, and Great Wall World Elite Credit Cards are available in For every RMB 1 spent on transactions within China (excluding Hong Kong, Macao and Taiwan), 1 point will be accumulated, and double points will be earned 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 pound currency, the ordinary card, gold card, and titanium card 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:

For Bank of China (Great Wall) series credit card installment transactions, when the installment is deducted from the account in each installment, points will be generated based on the installment amount recorded. Each 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 Agreement, 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 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, as well as financial and government payment transactions (such as insurance) , fines, investments, bails, taxes, etc.), the above information will be adjusted according to the merchant type of UnionPay and other relevant institutions;

(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 reach the limit of 300 yuan. No points will be accumulated for domestic consumption transactions with a credit limit of 300 yuan or more; for cards with a credit 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 of points stipulated in the activity rules.

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

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.