How long are credit card points valid for? Summary of the validity period of credit card points of each bank!

There are points for swiping credit cards. Friends who play with credit cards know that credit card points are equal to money and cannot be wasted. At the same time, credit card points have a validity period, and they may be cleared directly after expiration. Each bank has different regulations on the validity period of its points. How long is the validity period of credit card points? Let me tell you!

1. Industrial and Commercial Bank of China: Points are valid for 5 years and will be cleared on December 30 of the fifth year.

2. China Construction Bank: Points are valid for 5 years and will be cleared on December 31 of the fifth year.

3. Bank of China: Platinum Card points are permanently valid. Ordinary card points are valid for 2 years, but the accumulated points only last for 1 year. The expired points will be cleared on June 30 of each year.

4. Agricultural Bank of China: Points are valid for 5 years and will be cleared on January 31 of the 6th year.

5. Bank of Communications: Points are valid for 24 months and will be cleared at the end of each calendar month.

6. China Merchants Bank: Points are valid forever.

7. China CITIC Bank: Points are valid for 2 years and will be cleared at the end of each calendar month.

8. Minsheng Bank: Points are permanently valid.

9. Industrial Bank: Points are valid within the validity period of the card and will be cleared 3 months after the expiration date of the card.

10. Shanghai Pudong Development Bank: 3,600 annual fee points for Super Platinum, AE White, and Standard Visa White are permanently valid. Other cards are valid for 8 years, and the clearing time is 8 years from the issuance date of the first card.

11. Postal Savings Bank: Points are permanently valid.

12. China Everbright Bank: Points are valid for 5 years and will be cleared on December 30 of the fifth year.

13. Ping An Bank: Points are valid for 3 years and will be cleared at the end of the next month of the accumulation period.

14. Hua Xia Bank: Points are permanently valid.

15. China Guangfa Bank: Points are valid within the validity period of the card. After expiration, the gold card points will be transferred to the next period at a 30% discount, and the regular card points will be cleared. The clearing time is the expiration date of the card.

16. Citibank: Points are permanently valid.

17. Standard Chartered Bank: Zhenyi Card points are valid for 2 years and will be cleared at the end of the third year. Chengcheng Card points are valid for 4 years and will be cleared at the end of the fifth year.

18. HSBC: Points are valid for 3 years and will be cleared on December 30 of the third year.

19. Bank of East Asia: Points are valid within the validity period of the card.

That’s it for everyone about the validity period of credit card points. I hope it can help you. In addition, credit card points rules may change at any time, so you need to pay attention to bank notifications at any time to avoid unnecessary losses.

How long are Bank of Communications credit card points valid for?

Most Bank of Communications credit card points are valid for 24 months. The points generated will expire month by month. The expiration time is every natural day. At the end of the month, for example, points earned by cardholders from May 1 to May 31, 2018 will expire on May 31, 2020. This is something everyone needs to pay attention to.

Some Bank of Communications credit card points are valid for 12 months, such as the Bank of Communications Wal-Mart Credit Card; points also expire month by month. After the points generated by the Bank of Communications credit card are redeemed for goods in a timely manner, you can directly log in to the Bank of Communications Points Redemption Mall.

In the points mall, you can exchange for physical goods or virtual goods. Every 1 yuan spent with a Bank of Communications credit card accumulates one point, and 1 US dollar spent accumulates 7 points. Merchants will not generate points for specific purchases. Such as cash withdrawal transactions, hospitals, charity and social services, embassy and consulate fees, etc.

Users can check the Bank of Communications credit card points through a variety of ways, such as downloading and logging in to the "Payment Bar" APP to check points; they can also follow the Bank of Communications official account to make inquiries; log in to the Bank of Communications Credit Card Online Banking and You can also check your points through mobile banking.

Validity period of credit card points of major banks

Credit card points are not permanently valid. Some bank credit cards are only valid for two years. If they are not redeemed for gifts or spent after the expiration date, they will be reset to zero. , so credit cards with long points validity are more popular among consumers.

Bank of China credit card points are valid for two years. Points will be cleared when they expire on June 30 of each year. However, there are some exceptions. For example, Bank of China Platinum Card points are permanently valid.

The points of Shanghai Pudong Development Bank and China CITIC Bank are also valid for two years.

Bank of Communications credit card consumption points are valid for 24 months, but the points will expire month by month.

Guangfa Bank’s credit card points rules are also slightly different. The validity period of its points is consistent with the validity period of the credit card on which the points are accumulated, and they will be cleared when they expire.

In addition, the validity period of Everbright Bank credit card points is five years, and that of Ping An Bank is three years.

Is there an expiration date for ICBC credit card points?

Take the ICBC Peony Card as an example: credit card points are valid for up to five years

Points validity period

Personal comprehensive points are currently valid from the date the points are collected. Up to five years (calculated in calendar years). Points collected before December 31 of the current year (inclusive) are recorded as first-year points and are valid for redemption before December 30 (inclusive) of the fifth year. The specific validity period is subject to the latest points rules announced by our bank. Personal comprehensive points that have not been redeemed within the expiration date will be cleared.

Points accumulation rules

Points can be accumulated if you use our bank's debit card or credit card to make purchases (including this consumption) and meet the points collection conditions. 1 point will be accumulated for every RMB 1 spent (any part less than RMB 1 will be rounded off. Points will be calculated after the consumption is converted into RMB. The conversion is based on 1 USD = 6.5 RMB and 1 Euro = 8 RMB. Our bank will make adjustments as appropriate based on exchange rate changes. conversion rate).

Extended information:

Points inquiry

The ways to obtain points are: through ICBC counters, online banking, telephone banking, mobile banking, SMS banking, Check points balance and points details through self-service terminals, financial e-malls and other channels.

Advantages of points

1. Unified account, no application required. There is no need to apply for a points account. You can participate in points promotions using our debit and credit cards.

2. Rich exchange channels and easy to use. You can use points to redeem or deduct part of the consumption amount in our "Financial Online Shopping" mall and offline merchants. There are various ways of exchange.

3. Points accounts can be collected and exchanged across regions.

Industrial and Commercial Bank of China - Personal Comprehensive Points Service

How long are Bank of China credit card points valid?

Credit card points are generally added to your points in the afternoon of the day after they are credited. Account; Personal financial product points can generally be accumulated into your points account before the 10th of the following month. Points are valid for 2 to 3 years. For example, points generated from July 2011 to June 2012 will expire in June 2014. The validity period of points can be obtained by inquiry. Platinum credit card points are valid forever, and National Fitness Card points are valid for 5 years.

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 GOAPP to handle related businesses.

That’s it for the introduction of credit card points time limit.