Industrial Bank Credit Card (Credit Card) Points Rules
You can earn points by holding an Industrial Bank Credit Card (credit card) for spending, cash advances, etc., and you can withdraw cash for excess payments. No points are earned. Earn 1 point for every RMB 1 spent and 6.5 points for every USD 1 spent. A cash advance of 1 yuan or more earns 1 point, and a cash advance of 1 US dollar or more earns 6.5 points. Points from the supplementary card are transferred to the main card account, and the upper limit for a single point transaction is 100,000 points.
1. No scoring rules
Industrial Bank Constellation Credit Card (credit card), business card (UnionPay brand), QQVIP credit card (credit card), Industrial Bank Card, Juneyao Airlines Co-branded card, Taobao co-branded credit card (credit card), Guangzhou Mobile co-branded card (IC card), loan-in-one card, Instant Credit Card (credit card), international student credit card (credit card), PASS Platinum Credit Card (credit card) Card) (elite version), MAX credit card (credit card), PASS credit card (credit card) campus version cash advance.
2. Multiple points rules
1. You can get twice the points for overseas spending with a standard platinum card; you cannot get twice the points for overseas cash advances.
2. Transactions performed on your birthday will earn double points. This rule also applies to supplementary cards.
3. Standard Platinum credit cards (debit cards) can earn four times the points for transactions performed on their birthday. This rule also applies to supplementary cards.
How are Industrial Bank points accumulated?
The Industrial Bank Credit Card (credit card) points activity is a feedback activity for Industrial Bank Credit Card (credit card) cardholders promoted by the Industrial Bank Credit Card (credit card) Center. Cardholders can accumulate points by spending at the bank or borrowing cash in advance, and can exchange them for various gifts and services based on how many points they accumulate. The points accumulation rules are as follows:
1. General points accumulation rules
Industrial Bank credit card (debit card) cardholders can run points through in-card consumption, and the points rule is 1 yuan 1 point, 6.5 points per US dollar; if you borrow cash in advance, you can also enjoy the same rules for points accumulation. It should be noted that the maximum single points cannot exceed 100,000 points, and points will not be awarded for overpayment cash withdrawals.
2. Multiple accumulation of points
You can get double accumulation of points in the following two situations. One is using a standard platinum card for consumption abroad; the other is the cardholder’s birthday. If you run a transaction on the same day, the supplementary card can also enjoy the points benefits; in the following situations, you can get four times the points. When the standard platinum card holder makes a purchase on his birthday, he will get four times the points; if you pay through Taobao and other networks, you will get points based on 1 yuan of consumption. The 1 point principle is implemented.
Note: Cardholders cannot participate in the following situations
1. The credit card (credit card) has been deactivated, canceled or controlled
2. The credit card (credit card) Card debit) is overdue for more than 30 days
3. The cardholder violates the relevant contract and engages in illegal activities such as cash withdrawal, fraud and other abnormal card use behaviors.
Industrial Bank Credit Card Points Accumulation and Redemption Rules
1. Industrial Bank Credit Card Points Validity Period
2. Industrial Bank Credit Card Points Accumulation
3. Redemption of Industrial Bank Credit Card Points
4. Inquiry Method for Industrial Bank Credit Card Points
Validity Period of Industrial Bank Credit Card Points
1. Validity Period of Industrial Bank Credit Card Points
p>The points of the main card of Industrial Bank's credit card are valid within the validity period of the main card of the credit card;
After the card expires and the cardholder renews the card, the points of the original card can be retained until the expiration date of the card. 90 days. After 90 days, the unused points of the original card will be cleared automatically. At the same time, points transfer and merger between cards cannot be performed from 180 days before the expiration of the card to the period when the points are cleared.
If the card expires and is not renewed, the points will automatically expire after the card expires; after the credit card account is closed or canceled, the remaining points will be cleared and cannot be restored.
2. The validity period of the points of the special credit cards of Industrial Bank
The points validity period of Industrial Bank Shanghai IPTV BesTV co-branded credit card, Century Golden Flower Yipin Lifestyle co-branded credit card, and China Low Carbon Credit Card are on the credit card The main card is valid within the validity period of the card;
After the card expires and the cardholder renews the card, the original card points can be retained until 90 days after the expiration date of the card. After 90 days, the unused points of the original card will be automatically cleared. ;At the same time, points transfer and merging between cards are not allowed from 180 days before the card expires to when the points are cleared;
If the card expires and is not renewed, the points will automatically expire after the card expires; the credit card account will be closed or canceled Afterwards, the remaining points will be cleared and cannot be recovered.
3. Validity period of Industrial Bank credit card points
Newly issued principal credit cards before April 1, 2010 (excluding Industrial Bank Shanghai IPTV BesTV co-branded credit card, The points of Century Golden Flower Yipin Lifestyle Co-branded Credit Card, China Low Carbon Credit Card) are valid within the validity period of the credit card;
After the card expires and the cardholder renews the card, the points will be automatically extended; after the credit card account is closed or canceled, Remaining points will be cleared and cannot be restored.
Industrial Bank Credit Card Points Accumulation
1. Industrial Bank Credit Card Points Rules
1. The points activity is only for the main cardholders of Industrial Bank Credit Cards.
2. Industrial Bank credit card holders who have any of the following circumstances will not participate in the points activity:
(1). The credit card has been canceled or deactivated;
< p>(2). The credit card has been controlled;(3). The credit card is overdue for more than 30 days;
(4) The credit card holder violates the "Industrial Bank Credit Card Receipt" Contract";
(5) The credit card holder has violated laws and regulations such as cashing out or committing fraud, or is considered by the credit card center to be suspected or possible of violating laws and regulations such as cashing out, fraud, etc., or has reported to The credit card center provides false transaction vouchers (including but not limited to false POS purchase orders and false shopping invoices) and other abnormal card usage behaviors;
(6) Other circumstances specified by the credit card center.
2. Industrial Bank Credit Card Points Accumulation Rules
1. General Points Accumulation Rules
Industrial Bank Credit Card Cardholders Hold a Valid Industrial Bank Credit Card for Spending and Spending (Except electronic cash account loading transactions and electronic cash consumption of Guangzhou Mobile co-branded card (IC card)), cash advance (using Industrial Bank Starry Night? Constellation Credit Card, business card (UnionPay brand), QQVIP credit card, Industrial Tong Card, Jixiang Points can be earned for airline co-branded cards, Taobao co-branded credit cards, Guangzhou Mobile co-branded cards (IC cards) and cash advances (excluding overpayment cash withdrawals).
Earn 1 point for every RMB 1 spent on spending, and earn 1 point for every USD 1 spent on spending.
Earn 1 point for every RMB 1 spent in cash advance and 1 point for every US$1 spent.
The points earned by the supplementary card will be credited to the main card account.
The upper limit for a single point transaction is 100,000 points (including various multiple points activities and ordinary transaction points).
2. Accumulate points multiple times
(1) For spending overseas with an Industrial Bank credit card (except the standard platinum credit card), you can earn double points (generally Double points will be awarded based on the points accumulation rules), except for consumption that does not count points (see paragraph 4 of this article); overseas cash advances cannot earn double points.
(2). Spending made overseas with a Standard Platinum Card (excluding consumption completed through UnionPay network in Hong Kong, Macao and abroad) can earn three times the points (an additional bonus will be given based on the general points accumulation rules). Double points), overseas cash advance cannot earn triple points.
(3) Overseas spending only refers to consumption completed through the overseas Visa and MasterCard networks. It does not include consumption completed through the UnionPay network in Hong Kong, Macao and abroad, nor does it include purchases mistakenly transferred to Visa and MasterCard within the country. Internet consumption.
(4). Industrial Bank credit card holders can earn twice the points (general points accumulation) for transactions conducted with Industrial Bank credit cards (except standard platinum credit cards) on their birthdays (excluding transactions that do not count points). Earn an extra double bonus points based on the rules).
Supplementary cardholders also enjoy twice the points on their birthdays (an additional double point will be awarded based on the general points accumulation rules), and the points earned will be credited to the main card account.
(5) Industrial Bank Standard Platinum Credit Card cardholders can earn four times the points for transactions conducted with the Standard Platinum Credit Card on their birthdays (excluding transactions that do not count points) (extra points based on the normal points accumulation rules). Earn triple points). Standard Platinum Credit Card supplementary cardholders also enjoy four times the points on their birthdays (an additional three times points are awarded based on the general points accumulation rules). The points earned are credited to the main card account. Standard Platinum Credit Card cardholders (including supplementary cards) The maximum number of extra points you can receive by swiping your card on your birthday is 100,000 points.
3. Points will not be calculated for the following fees and transactions
1. Credit card transfer transactions, telephone/online banking cash advance transactions, RMB online payment transactions, withholding and payment transactions (not Including insurance premium withholding business).
2. Credit card annual fees, interest, points redemption deductible and various fees (such as cash withdrawal transaction fees, late payment fees, etc.).
3. Use Industrial Bank Starry Night? Cash advance (including overpayment cash withdrawal) transactions of Constellation Credit Card, Business Card (UnionPay brand), QQVIP Credit Card, Industrial Credit Card, Taobao Co-branded Credit Card, Juneyao Airlines Co-branded Card, and Guangzhou Mobile Co-branded Card (IC).
4. Points will not be counted for overpayment transactions made by standard platinum credit card holders.
5. Guangzhou Mobile co-branded card (IC card) electronic cash account transfer transactions and electronic cash consumption do not count points.
6. Spending at specific categories of merchants, including but not limited to real estate, car sales, wholesale transactions, telecommunications and television payments, pawn auctions, public institutions, hospitals, primary and higher schools , universities, colleges, professional schools, charities and social services, non-profits, fines, bails and bonds, taxes, government services, embassy and consulate fees, government loans, etc.; as well as the specific merchant categories listed in the table below.
7. Other items specified by the Credit Card Center.
Industrial Bank Credit Card Points Redemption
1. Industrial Bank Credit Card Points Redemption Rules
1. The Industrial Bank Credit Card Center continues to provide points activities and points gifts, and different points activities The validity period and redemption rules for point gift redemption will be determined according to the specific activities and will be announced separately.
2. Cardholders can log in to Xingye Online to enter the credit card point mall for online self-service redemption, or call the 24-hour customer service hotline 95561 for manual redemption over the phone or self-service voice redemption.
3. Once the redemption application is submitted, no changes or cancellations will be accepted. If the cardholder's account does not have enough points and fails to pre-borrow points, the application for gift redemption will automatically become invalid without further notice. If the cardholder needs to transfer or combine points to redeem gifts, please apply in advance in accordance with the relevant provisions of Article 5 of this article.
4. In order to protect the cardholder’s rights and interests, all redeemed points gifts will be sent to the cardholder’s statement address. Unless otherwise specified, gifts will be delivered by the supplier or sent by post office, and gift certificates and insurance cards will be sent by registered mail. Please present your credit card and ID card when signing for gifts. Gifts sent through the post office must be collected in accordance with the relevant regulations of the postal department.
5. Under normal circumstances, the cardholder will receive the gift within one month after the credit card center officially accepts the redemption application.
6. If you find that the outer packaging of the gift is damaged or has quality problems before signing for it, you can refuse the gift. The gift supplier will deliver it separately for free. If there is no quality problem, please do not refuse the gift, otherwise the cardholder will need to Bear the relevant costs.
7. There is no cooperation, agency or distribution relationship between Industrial Bank and points gift suppliers. The gifts, gift certificates and services involved in points activities are directly provided by the suppliers. All matters related to the quality and use of gifts The relevant responsibilities are solely the responsibility of the supplier and have nothing to do with Industrial Bank. The warranty for gifts is provided by the manufacturer in accordance with relevant national regulations, and Industrial Bank is not responsible.
8. Please use the gift certificate within the validity period indicated on the face of the coupon. It will become invalid upon expiration. Neither Industrial Bank nor the gift certificate supplier will accept requests for return or exchange. Please keep the gift certificate properly. If lost, it will not be replaced.
9. The pictures, sizes, materials and performance indicators of gifts involved in the promotion of points activities are for reference only, and the actual products shall prevail.
10. The number of gifts in all points activities is limited and while supplies last.
11. During the points activity, if the gift is discontinued or upgraded, the credit card center will contact the cardholder and replace it with the corresponding gift.
2. Redemption method for Industrial Bank credit card points
1. Cardholders can log in to the Industrial Bank Credit Card Center (enter the Credit Card Points Mall) for online self-service redemption.
Operation process:
(1) After entering the points mall homepage, customers can start browsing products;
(2) If you want to redeem online, you first need to log in to points Mall, otherwise you can only browse products, but cannot actually redeem gifts;
(3). When you log in to the points mall, you can add the selected gifts to your shopping cart. You can also Collect the gift;
(4) After you complete the gift selection, you can enter the cashier and confirm the payment at the cashier.
(5) Confirm the payment at the cashier. After that, you need to submit the order, and the system will deduct the corresponding points from your credit card according to your redemption application;
(6). After completing the above series of operations, you will be within 1 month Receive the gift you redeemed within 1 day;
(7). If you need to pre-borrow points to redeem gifts, please call the 24-hour customer service hotline 95561 to apply for redemption;
(8), Voice For self-service redemption, dial the 24-hour customer service hotline 95561, press 1 [Credit Card Business], then press 5 [Points Inquiry], then press 2 [Points Redemption], and follow the voice prompts.
2. You can also do so. You can call the 24-hour customer service hotline 95561 for manual redemption or voice self-service redemption
Inquiry method for Industrial Bank credit card points
1. Inquiry method for Industrial Bank credit card points - bill inquiry< /p>
Industrial Bank credit card users can check the new points, redemptions, adjusted points for this billing period and the accumulated points as of the statement date on each statement (Note: Points are as shown on your statement. "The current number of points" shall prevail)
2. Method for querying Industrial Bank credit card points - customer service telephone inquiry
Industrial Bank credit card principal cardholders can call Industrial Bank 24 Hourly customer service hotline 95561. Platinum card holders please call the 24-hour VIP hotline 400-88-95561, press 1 [Credit Card Business], then 5 [Points Inquiry], and follow the voice prompts to check the current points. < /p>
3. How to query Industrial Bank Credit Card Points - Online Banking Inquiry
Log in to Industrial Bank Credit Card Online Banking (you can check your credit card points.
IV. , Industrial Bank credit card points query method - mobile phone SMS query
Use the mobile phone number registered with Industrial Bank, write the text message "30xxxx", xxxx is the last four digits of the credit card; send it to 95561, you can query Current credit card points situation.
How to calculate Industrial Bank points?
Industrial Bank credit card holders hold a valid Industrial Bank credit card for spending (Guangzhou Mobile co-branded card (IC card)) Electronic cash account loading transactions and electronic cash consumption are excluded),
Cash advance (using Industrial Bank Starry Night middot; Constellation credit card, business card (UnionPay brand), QQVIP credit card, Industrial Tong card, Juneyao Airlines co-branded Cards, Taobao co-branded credit cards, Guangzhou Mobile co-branded cards (IC cards), debit and credit cards, cash advances (excluding overpayment cash withdrawals) can all earn points.
1. Earn 1 point for every RMB 1 spent, and 6.5 points for every USD 1 spent.
2. For every RMB 1 spent in cash advance, you will earn 1 point, and for every US$1 spent, you will earn 6.5 points.
3. The points earned by the supplementary card will be credited to the main card account.
4. The upper limit for a single point transaction is 100,000 points (including various multiple points activities and ordinary transaction points).
The above is an introduction to the calculation of Industrial Bank credit card points.
Extended information:
Accumulate points multiple times
1. Spending made overseas with a standard platinum card (excluding Hong Kong, Macao and foreign countries through the UnionPay network Completed consumption) can earn double points (an additional double point will be awarded based on the general points accumulation rules), except for consumption that does not count points (see paragraph 4 of this article); overseas cash advances cannot earn double points.
2. Overseas spending only refers to consumption completed through the overseas Visa and MasterCard networks. It does not include consumption completed through the UnionPay network in Hong Kong, Macao, Taiwan and abroad, nor does it include purchases mistakenly transferred to the Visa or MasterCard network within the country. consumption.
3. Transactions carried out by Industrial Bank credit card holders with their own Industrial Bank credit cards (except standard platinum credit cards) on their birthdays (points transactions and transactions on Taobao with Taobao co-branded credit cards are not counted) Except for transactions conducted through quick payment methods), double points will be awarded (an additional double point will be awarded based on the general points accumulation rules).
Additional cardholders also enjoy twice the points on their birthdays (an additional double point will be awarded based on the general points accumulation rules), and the points earned will be credited to the main card account.
4. Transactions carried out by Industrial Bank Standard Platinum Credit Card holders with their Standard Platinum Credit Card on their birthdays (points transactions and Taobao co-branded credit card transactions made through quick payment methods on Taobao are not included) Except for transactions), four times the points will be awarded (an additional three times the points will be awarded based on the general points accumulation rules).
Standard Platinum credit card supplementary cardholders also enjoy four times the points on their birthdays (an additional three times the points are awarded based on the general points accumulation rules), and the points earned are credited to the main card account. Standard Platinum Credit card holders (including supplementary card holders) can receive up to 100,000 extra points by swiping their card on their birthday.
5. Cardholders of Industrial Bank Taobao co-branded credit cards who use the Taobao co-branded credit card in their name to spend on Taobao through quick payment methods on their birthdays will earn 1 credit card points for every RMB spent. The points principle will be implemented and no additional double points will be awarded for birthdays.
6. The Industrial Bank Standard Platinum Credit Card here only includes UnionPay RMB Platinum Credit Card, MasterCard Standard Dual Currency Platinum Credit Card, Visa Standard Dual Currency Platinum Credit Card and UnionPay Premium Platinum Credit Card, namely the four in the picture below. card, other cards are not included.