ICBC credit card points rules

Personal comprehensive points include consumption points and specific points:

1. Consumption points: Use ICBC bank cards (excluding Centurion , co-branded cards and commercial cards) consumption can accumulate personal consumption points, and each RMB 1 spent will earn 1 point (the part less than 1 yuan will be rounded up), and foreign currency consumption will be converted into RMB in proportion;

2. Specific points: When ICBC carries out various marketing activities, it will give corresponding points to qualified target customers according to the event rules.

Warm reminder:

1. No points for special transactions such as real estate, car sales, wholesale, etc.;

2. Debit card consumption through WeChat, Alipay, JD.com , no points will be accumulated; credit cards that have accumulated comprehensive points can accumulate points through consumption through WeChat and JD.com before December 31, 2022;

3. After using a credit card that has accumulated joint points to make purchases, please use the credit card provided by the joint entity. Points or rewards shall prevail;

4. Points are valid for up to five years, and points that are not redeemed after the expiration date will be cleared.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation.)

Where can ICBC credit cards be used to earn points?

Using ICBC cards for consumption can accumulate personal comprehensive points. Every RMB 1 spent will earn 1 point. Foreign currency consumption will be converted into RMB on a pro-rata basis. From now until December 31, 2019, you can also accumulate points by using your ICBC credit card to make purchases through WeChat (version 8.0.16) and JD Express Payment channels (version 6.6.4). Operating environment: iPhoneXR14.7.1 on mobile phone. Warm reminder:

1. No points are awarded for special transactions such as gas stations, car and house purchases, online consumption and third-party payment platform merchants;

2. Centurion and co-branded credit cards Do not participate in the accumulation of personal comprehensive points;

3. Points are valid for up to five years, and will be cleared if not redeemed after the expiration date.

4. If you want to know the specific business rules, you can log on to the ICBC official website to check. The final situation is subject to the actual cumulative results of the system.

The points rules for ICBC credit cards are: 1 point for every RMB spent, 1 point for every HKD spent, 8 points for every USD spent, and any less than 1 Yuan will not be counted. For example, hotels and shopping malls all have points. ICBC credit card points will not be accumulated for transactions under the following circumstances:

1. Wholesale transactions: such as tobacco, beer, building materials wholesale, computer malls, etc.

2. Transfer transactions: such as loan deductions, automatic transfers of utility bills, transfer transactions for purchasing securities or funds, insurance deductions, etc.

3. Professional transactions: such as hospital payments, provident fund payments, tax payments, school payments, insurance payments, real estate sales, car sales, online transactions, auctions and pawns, etc.

4. Stored value transactions: such as gas card recharge, phone bill recharge, prepaid recharge, etc.

5. Other transactions deemed not to accrue points will not accrue ICBC credit card points. ICBC credit card points are valid for 2 years.

There are no points for online consumption, 4S point consumption for house and car purchases, wholesale markets, payment of water, electricity, gas and telephone bills, payment of medical taxes and other public expenses, etc. There are points for other card consumption.

Generally, points will be generated by swiping cards in physical stores. Points will not be generated by swiping cards online. However, some credit cards will also generate points by swiping cards online. I love card to remind you that it is best to use ordinary cards to swipe cards in physical stores and shop in supermarkets. Points can also be earned.

Using ICBC cards for consumption can accumulate personal comprehensive points. Every RMB 1 spent will earn 1 point. Foreign currency consumption will be converted into RMB on a pro-rata basis. From now until December 31, 2019, you can also accumulate points by using ICBC credit cards to make purchases through WeChat and JD quick payment channels.

Warm reminder:

1. No points are awarded for special transactions such as gas stations, car and house purchases, online consumption and third-party payment platform merchants;

2. Centurion and co-branded credit cards Do not participate in the accumulation of personal comprehensive points;

3. Points are valid for up to five years, and will be cleared if not redeemed after the expiration date.

4. If you want to know the specific business rules, you can log on to the ICBC official website to check. The final situation is subject to the actual cumulative results of the system.

How much does ICBC credit card consumption earn 1 point?

For ICBC credit card users, every 1 yuan spent earns 1 point, every 1 Hong Kong dollar spent earns 1 point, and every 1 US dollar spent earns 8 points. Points less than 1 yuan will not be counted.

The points of multiple ICBC credit cards under the same cardholder’s name can be combined, and the points of the main card and additional cards can be combined. But not all purchases accumulate points.

How do ICBC points come about?

ICBC credit card users will earn 1 point for every RMB 1 spent, 1 point for every HKD spent, and 8 points for every USD 1 spent. Not counted.

However, some types of consumption are excluded, such as: buying a house, buying a car, wholesale, charity, non-profit, government payment transactions, public schools, public hospitals, finance and others that are expressly stated on the credit card website not to be accumulated. Points merchants.

You can follow the various points activities on the official website of ICBC Credit Card to earn multiple points, and you can also use the points to redeem a variety of gifts and other benefits.

Extended answer:

Points are: Customers who use ICBC debit cards or credit cards to spend more than 1 yuan can earn points, and each RMB 1 spent accumulates 1 point.

Points inquiry: Users who have registered for ICBC online banking can use their online banking card (account) number/mobile phone number/user name to log in to the PC-side Rong e-gou mall or Rong e-gou app to check. If you have not opened online banking Users cannot use points.

Points deduction rules: If the product supports points for cash, then orders within 300 yuan (excluding shipping costs) on the Rong e-commerce platform can be paid in full with points, and the portion exceeding 300 yuan can be paid with points. Then deduct another 50 (except for products that do not support the use of points).

Within the limit, you can choose to use points for full or partial payment. Invoices cannot be issued to you for goods paid for with points. (For specific rules, please see: Rong e-Go PC Home Page - Help Center - Payment Method - Points Payment)