Cardholders can use Ping An Bank credit card to swipe their cards in restaurants, hotels, department stores and other retail stores, and they can also use goods mail order points in Ping An Credit Card Center. However, the following items will not be calculated:

1, low deduction rate, zero deduction rate and special types of merchant consumption are not included in the points, including but not limited to telephone charges, insurance premiums and other withholding services; Online consumption, public utilities, public hospitals, medical institutions, government agencies, schools and other special consumption; Real estate, wholesale, automobile maintenance, gas, gambling and other consumption;

2. Annual credit card fee, cash advance fee, installment payment fee, late payment fee and other fees and interests;

3. Cash withdrawal, repayment and bill installment by Ping An Credit Card;

4. Transfer transactions or transactions recovered from overpayment through counters or ATMs of Ping An Bank or other banks.

5. Other projects designated by Ping An Bank.