How to earn points with Everbright Credit Card?

Everbright Credit Card can earn points in the following ways:

1. Consumption points: The points rule of Everbright Bank Credit Card is that you can accumulate 1 point for every RMB 1 spent with the card. , you can accumulate 8 points every time you spend over 1 USD overseas, and you can accumulate 8 points every time you spend 1 Euro overseas.

2. Cash withdrawal points: When you withdraw cash with Everbright Credit Card, you will get 100 points when your handling fee exceeds 1 yuan, and 800 points when your handling fee exceeds 1 US dollar/1 euro. Credit card points earned by China Everbright Bank are generally valid within 5 years.

3. Online transactions: There are no credit card points for online payment transactions with Everbright Bank credit cards.

4. Multiple points for birthdays: 2 times the points for the regular gold card’s birthday month, and 3 times the points for the platinum/diamond/infinite card’s birthday month.

5. The types of merchants that are not eligible for Everbright points include: real estate transactions, car sales transactions; wholesale transactions; public hospital transactions; public school transactions; charity and social service transactions; government transactions; agricultural cooperation transactions; county and township preferential transactions.

Everbright Bank Credit Card Points Accumulation Rules

1. Everbright Bank credit card holders can earn 1 point when spending RMB 1 or more in a single transaction or withdrawing cash, and 8 points when spending USD 1 in a single transaction. A maximum of 20,000 points can be earned for a single RMB cash withdrawal, and a maximum of 24,000 points can be earned for a single USD cash withdrawal. Points will not be calculated for cash withdrawal transactions that do not charge a cash withdrawal fee. Points generated from the transaction amount will take effect on the day after the bank accounting date.

2. If a Everbright Bank credit card holder has two or more credit cards, the accumulated points of each card will be calculated together. Scope of application of Everbright Bank credit card points: Everbright Bank credit card holders can earn points by swiping their cards for consumption, cash advances, and mail ordering and installment payments of goods through credit cards. However, points will not be calculated for the following items: 1. Real estate transactions; 2. Car sales transactions; 3. Wholesale transactions; 4. Public hospital transactions; 5. Public and school transactions; 6. Charity and social services transactions; 7. Government service transactions.

Methods for redemption of Everbright Bank credit card points

(1) Website, Everbright Bank customers can log in to the "Points Redemption Mall" channel of our bank's website, or log in to the "Rewards World" of our bank's credit card area Check the channel to redeem your favorite gifts.

(2) Online banking Everbright Bank customers can log in to our bank's online banking and enter the "Customer Service" channel "Points Management" page to inquire and redeem recommended gifts.

(3) Customer service is manual. Customers of China Everbright Bank can call China Everbright Bank’s 24-hour customer service hotline 95595 and choose manual service to redeem points.

How to accumulate credit card points quickly? 5 tips to make your points fly

You can accumulate points by swiping your credit card, and you can use the points to redeem shopping mall gifts, credit cards, airline miles, platinum card annual fees, etc. Credit points are so versatile, but they’re not easy to accumulate. Here, I will teach you 5 tips for quickly accumulating points to make your points fly~~

1. Swipe multiple points on your birthday month

Although each bank’s points policy They are different, but they all provide cardholders with multiple points benefits in their birthday month. Cardholders can enjoy multiple points accumulation by swiping their cards in their birthday month.

For example, with China Merchants Bank’s YOUNG card, GQ co-branded card, Sina Weibo Master Credit Card, and ONEPIEC One Piece Fan Card, you can earn 2x points by swiping your card during your birthday month.

Industrial Bank gets 2 times the points on your birthday, 4 times the points for the standard platinum card, etc.

2. Participate in bank points gifting activities

Many banks have points gifting promotions. If you participate in the activities and meet the conditions, you can get the corresponding points gift.

For example, China Merchants Bank has a campaign to give out points in installments for credit card bills every month, and you can get at least 1,000 credit card points.

Industrial Bank also has corresponding points gift activities every holiday, such as giving 25 times points for purchases on Christmas Day, etc.

3. Multiple people swipe their cards together to earn points

“When one person collects firewood, the fire is not strong, but when everyone collects firewood, the fire is strong.” This saying is also true when it comes to the accumulation of credit card points. The speed at which one person accumulates credit card points is far inferior to the speed at which several people accumulate points together.

So, if you want to accumulate points quickly, you can apply for one or several supplementary cards for your family members. Because the points from the supplementary card are merged into the account of the main cardholder, so the whole family can swipe the card together, and the points will accumulate at a high speed.

4. Buy your order and accumulate my points

In addition to accumulating points by swiping your own card, you can also pay for your friends to get cash and points.

For example, if you are shopping with a friend in a mall, and your friend likes a piece of clothing and wants to pay with cash, you can discuss it with him. You can help him pay with his credit card, and then he will give you the cash. .

As long as you use a POS machine that has points for consumption, you can get points in this way.

How to obtain China Merchants Credit Card points

You can obtain China Merchants Credit Card points in the following ways:

1. You can obtain points by swiping your card. For consumption, you can swipe your card with China Merchants Bank Credit Card. To accumulate points, 1 point will be earned for every RMB 20/USD 2 spent in a single transaction. Points from supplementary card purchases will be accumulated in the main card account. When you accumulate points by swiping your car card or city card, you can get 0.5 times bonus points, which is valid for 3 years. For airline co-branded credit cards, every single purchase of RMB 18/USD 2 will earn 1 mile. For ANA co-branded cards, every single purchase of RMB 20/USD will earn 1 mile. The validity period of consumption miles shall be subject to the announcement of the partner. Some merchants do not accumulate points for consumption, please refer to the official website announcement for details.

2. Search for points paradise in the Palm Life APP, and then you can get credit card points through games. Click "Raise Meow" in the Palm Life APP, feed the cat every day, and accumulate points when certain conditions are met. ; Palm Life has a "Daily Red Envelope" task. The tasks are different every day. Just complete the tasks as needed, and points will usually be given away.

3. You can invite friends to register and bind any of your bank cards to Palm Life. After the invitation is successful, you can get credit card points;

4. You can recommend friends to apply for a China Merchants Bank credit card. Credit card points can be obtained after the recommendation is successful;

5. You can apply for credit card installments, and you can also receive credit card points after the installment is successful;

6. You can handle cash withdrawals, and you can also withdraw cash successfully. Earn credit card points.

7. The points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer's account in each installment (general consumption by swiping the card will no longer accumulate points), that is, for every 20 yuan of the amount automatically credited to the account, RMB accumulates 2 permanent China Merchants Bank points, and the original transaction of general card consumption will no longer accumulate points. Points can be redeemed for platinum value-added service rights, ordinary points products, platinum exclusive point products and other card center store point redemption products.

8. Sometimes China Merchants Bank will also cooperate with WeChat, Alipay, etc. When paying through these methods, you can get double points and other different rewards when using a China Merchants Bank credit card. Open the "China Merchants Bank Credit Card" applet in WeChat and you can get points by signing in every day. Generally, you can get 3 to 5 points each time. Follow the "China Merchants Bank Credit Card" official account in Alipay, and you can also sign in every day to get points. Similar to WeChat, you can generally get 1 point each time.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

How to get credit card points

There are two ways to earn credit card points, mainly: spending by swiping the card and withdrawing cash. For every 20 yuan spent with a card, you will get one point. If you spend less than 20 yuan, you will not get points. However, there are no points for online payments, group purchases, wholesale transactions, house purchases, car purchases, insurance payments, etc.

There is also a way to earn points for cash withdrawals. It is also worth 20 yuan to earn one point, but with the existing handling fees and interest, there will be activities that will give you points as many points as you spend, or multiple points.

Credit Card Tip 1: Learn to read bills

Open your credit card statement, which records your monthly expenses in detail. If you cannot read these details well, it will be difficult to know clearly your repayment status. There are many proper nouns on credit card statements, such as cash advance limit, credit limit, current statement date, etc. What everyone needs to know most is the final payment date and minimum payment amount of the current period. The final repayment date of this period is the final repayment period stipulated by the bank. Any repayment beyond this period will be regarded as a breach of contract. The minimum repayment amount refers to the minimum amount to be repaid in this period, which is usually about 5-10% of the total consumption.

Credit Card Tip 2: Make good use of the interest-free period

The interest-free period is how long you can avoid paying bank interest after your credit card is overdrawn. The general interest-free period is divided into two types: the longest and the shortest based on the length of time. The interest-free period of each bank is also different. For example, for credit cards launched by China Merchants Bank, according to online reports, the interest-free period can be up to 50 days. Generally, the card is swiped on the last day of the statement date, so that you can enjoy a longer interest-free period.

Credit Card Tip Three: Learn to Repay Reasonably

After understanding the above two skills, you also need to know how to repay money reasonably. Two repayment methods are recommended here. If you have sufficient funds, you can repay the loan in full on the final payment date. This is the first method. If you cannot afford so much money temporarily, you can use the second method, which is to pay the minimum repayment amount on the final repayment date. It is recommended that if you are able, you should repay in full. If you are unable to repay in full, you should pay the minimum amount before the final repayment date. This is to protect your personal credit from being affected. Another thing to note is that if you withdraw cash in the current period, you will need to pay back more to offset the interest.

This is the end of the introduction on how to use credit cards to earn points.