If it is a China Merchants Bank credit card, your transaction amount is calculated based on a single purchase/cash withdrawal. For every RMB 20 or US$2 spent, you can accumulate 1 point, which will be effective on the day after the bank accounting date. However, some types of consumption are excluded, such as: buying a house, buying a car, wholesale, charity, non-profit services, government payment transactions, public schools, public hospitals, finance and other merchants that expressly indicate on the credit card website that they do not accumulate points. Whether points will be accumulated for your consumption, please refer to our bank’s points rules.

(Response time: June 12, 2019, please refer to the official website of China Merchants Bank for the latest business changes)