The bank does not give points for paying heating bills.

Chinese Merchants Bank does not accumulate points when paying heating bills, nor does it accumulate points when spending money at merchants such as wholesale, people's livelihood, automobiles, real estate, and public services.

Chinese Merchants Bank credit card consumption accumulates points. Every 20 yuan or 2 US dollars in a single purchase accumulates 1 point. However, items such as real estate, automobiles, wholesale, public hospitals, public schools, government services and public* **Points will not be accumulated for purchases at businesses such as businesses, online purchases, cash withdrawals and other transactions. Points are valid forever, but will expire when the cardholder cancels the account.