The bank’s credit card points accumulation calculation method is as follows:

1. Every RMB 1 spent will earn 1 point, and foreign currency consumption will be converted into RMB in proportion. Earn 8 points for every US$1 spent, calculated as 1 point converted into RMB. In other words, Minsheng Credit Card points are 1 yuan equal to 1 point, and 100 points are equal to 1 yuan.

In addition, the relevant regulations for the accumulation of credit card points of Minsheng Bank are as follows:

1. If there are two or more credit cards in the same account, the accumulated points for each card’s consumption should be calculated together. .

2. The points of the main card and the supplementary card should be combined into the main card account.

3. If there are special provisions for other co-branded cards, they should not be combined for calculation.

4. China Minsheng Bank will refund the purchased goods or services based on the factors of refund in any account or due to other reasons, or refund the refund due to billing disputes or other reasons. item, China Minsheng Bank will adjust proportionally based on the refund amount.