How to get credit card points
Credit card points can be earned by swiping your card for consumption and participating in bank activities.
1. Swipe more cards and spend more. Swiping your credit card multiple times can help optimize points.
2. Participate in bank activities.
Some banks launch activities to accelerate the accumulation of credit card points at the end of the year, and cardholders can take the opportunity to increase their points.
Each bank will launch credit card "double points", "points gift", "card swiping lottery" and other activities from time to time.
For example: During the GF Sharing Day, the GF Credit Card Center launched the “Golden Egg Smashing” activity to earn points.
Cardholders who successfully recommend relatives and friends to participate in the activity can get the opportunity to smash golden eggs. The more people they refer, the more points or miles they can earn from golden eggs. They can get up to 200,000 GF points, 10 10,000 Ctrip points or 8,000 miles. At the same time, cardholders can also enjoy the points or mileage rewards that the recommended person received from their purchases in the first two months.
Extended information
There are four major categories of credit cards. The purpose of swiping the card cannot be used to earn points normally. It can be said that "swiping is in vain".
The first category is card payment channels with low deduction rates, including car and house purchases, wholesale, etc.
The second category is stored value payment, such as provident fund, tuition fees, various recharges, etc.
The third type of non-points-based transactions are the fees incurred by the credit card itself, including credit card cash withdrawals, interest, various handling fees, etc., as well as some related life account deduction fees, etc., and points cannot be calculated. .
The fourth category is non-points consumption stipulated by each bank. This part of the regulations is relatively vague for each bank.
For example: Among the non-points rules stipulated by ICBC, Article 5 is "Other transactions that are determined not to accumulate points will not accumulate points." Article 4 of Bank of Communications’ no-points rules also stipulates that “other items separately designated by the Bank of Communications Credit Card Center” will not be awarded points.
People's Daily Online - There are many channels to quickly increase credit card points
People's Daily Online - Points will not be calculated for four types of transactions using credit cards
China Merchants Bank Credit Card (credit Card) How to earn points?
Chinese Merchants Bank credit card (debit card) points can be obtained through the following channels:
1. Users can obtain points by swiping China Merchants Bank credit card (debit card) for consumption. Under normal circumstances, every consumption You can get 1 point when you spend RMB 20 or USD 2.
2. Users can earn points by participating in installment shopping at China Merchants Bank’s online mall.
3. Follow the WeChat official account or WeChat applet "China Merchants Bank Credit Card (Credit Card)" to sign in to get points.
4. Recommend friends to apply for a China Merchants Bank credit card (debit card), and you will receive points after success.
5. You can earn points by handling credit card (debit card) installment or cash withdrawal services.
6. Log in to the China Merchants Bank Mobile Life App, search for points paradise and participate in games to earn points.
How to earn points with Bank of China credit card?
Bank of China credit card points calculation rules:
1. BOC series credit cards, Great Wall series credit cards, regular cards, gold cards, and titanium card products accumulate 1 point for every RMB 1 spent." BOC Points 365" bank card consumption points (except Air China Zhiyin BOC Credit Card).
2. For every RMB 1 spent in China (excluding Hong Kong, Macao and Taiwan) with platinum-level credit cards or above, you will accumulate 1 "BOC Points 365" bank card consumption point, and for every RMB spent in other countries and regions, Spending RMB 1 accumulates 2 "BOC Points 365" bank card consumption points. Among them, the Great Wall American Express Private Bank Credit Card accumulates 2 "BOC Points 365" bank card consumption points for every RMB 1 spent in China and other countries and regions.
3. For all credit cards with the function of automatic point redemption (such as airline co-branded cards, etc.), the bank card consumption points (unless otherwise specified) will be automatically converted into points from the corresponding partner institution on the monthly statement date. For products or services (such as airline miles, etc.), the redemption ratio is subject to the rules of the co-branded card; its marketing points will not be automatically redeemed. Cardholders can actively redeem them through the points redemption channel of Bank of China. The redemption rules are announced through the points redemption channel. allow.
4. For US dollar-denominated credit cards, 1 US dollar spent on ordinary card, gold card, and titanium card products will accumulate 7 "BOC Points 365" bank card consumption points, and 1 US dollar spent on platinum-level or above credit cards will accumulate 7 points. Accumulate 14 "BOC Points 365" bank card consumption points.
5. For credit cards denominated in Japanese yen, if you spend 14 yen on ordinary card, gold card, or titanium card level products, you will accumulate 1 "BOC Points 365" bank card consumption point. For purchases with platinum level or above credit cards, 14 yen accumulates 2 "BOC Points 365" bank card consumption points.
6. For credit cards in euro currency, 1 euro spent on ordinary card, gold card, and titanium card products will accumulate 7 points "BOC Points 365" bank card consumption points, and 1 euro spent on platinum-level or above credit cards. Accumulate 14 "BOC Points 365" bank card consumption points.
7. For credit cards in pound currency, 1 pound spent on ordinary card, gold card, and titanium card products will accumulate 10 "BOC Points 365" bank card spending points, and 1 pound spent on platinum-level or above credit cards will accumulate 10 points. Accumulate 20 "BOC Points 365" bank card consumption points.
8. For credit cards in Australian dollar currency, for ordinary card, gold card, and titanium card level products, 1 Australian dollar spent will accumulate 5 points "BOC Points 365" bank card consumption points, and for platinum level and above credit card consumption, 5 points will be accumulated. 1 Australian dollar accumulates 10 "BOC Points 365" bank card consumption points.
9. For credit cards denominated in Hong Kong dollars, every HKD spent on Ordinary Card, Gold Card, and Titanium Card grade products will accumulate 1 "BOC Points 365" bank card spending point. 1 HKD spent on platinum-level or above credit cards will be accumulated. Accumulate 2 "BOC Points 365" bank card consumption points.
10. Holding a Great Wall corporate business card and spending US$3 will accumulate 1 "BOC Points 365" bank card consumption point.
11. There is a cap on the points for consumption transactions within the billing cycle: for credit with a credit limit greater than 5,000 yuan, it will be capped at 300 of the credit limit, that is, the domestic consumption transactions that have accumulated more than 300 of the credit limit during the billing cycle "BOC Points 365" credit card consumption points will not be accumulated; for cards with a limit of less than or equal to 5,000 yuan or zero limit, the accumulated "BOC Points 365" credit card consumption points for domestic consumption transactions within the billing cycle will reach a maximum of 15,000 points.
12. If the goods or services purchased with the card are returned for any reason, or the money is returned due to billing disputes, or other reasons, Bank of China will deduct the "BOC Points 365" bank card accumulated at that time. Spend points.
Warm reminder: The specific points accumulation rules for each credit card are subject to the product rights announcement; credit card consumption of less than 1 yuan will not accumulate "BOC Points 365" bank card consumption points.
The above content is for your reference, please refer to actual business regulations.
If you have any questions, please feel free to consult Bank of China’s online customer service.
You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.
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 will also have 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 quickly accumulate CMB credit card points? Take a look at these seven methods
Many cardholders don’t know how to quickly accumulate points with China Merchants Bank credit cards. In fact, in addition to the most basic daily consumption, there are many ways to accumulate points, such as getting points by applying for a card, It’s easy to earn points by participating in China Merchants Bank’s points activities, etc. Let’s find out below.
1. Basic knowledge of China Merchants Bank points
Points rules: Earn 1 point for spending 20 yuan or 2 US dollars (no points for less than 19.9 yuan). Points are permanently valid (car cards, City series cards: 1.5 times the points, valid for 3 years; YOUNG card, Sina Weibo card, GQ card One Piece fan card: 2 times the points in the birthday month, with a maximum reward of 2,000 points per household).
Unified points pool: No matter how many cards there are, the points are unified together. In the end, I maximized my spending through high-end cards.
Book of Heaven: China Merchants Bank’s astronomical list of non-point merchants needs to be checked frequently, and many merchants are entered in the blink of an eye.
The order of repayment: first repay the current bill - then the annual fee, interest and handling fee in the unissued bill - then withdraw the principal (no interest will be charged on the day of withdrawal) - Finally, there are other parts of the outstanding bill.
2. Leg hair card
The card between the leg of lamb and wool is called leg hair card (babies’ nickname). ***25 cards (some say 26):
Young card (two cards, black and white, limited to customers under 30 years old), Weibo card (three cards, gold, pink and black) , GQ card (one, only male customers can apply), city theme cards (up to 19, several friends of Walli have already collected them).
How to play:
You can earn points by borrowing cash in advance (and withdrawing cash) (1 point for 20 yuan). City series cards earn 1.5 times points (20 yuan earns 1.5 points), YOUNG cards, Sina Weibo cards, and GQ cards earn 2 times points in the birthday month (20 yuan earns 2 points, with a maximum limit of 2,000 points per household).
The first cash withdrawal of each month is free of charge, and the maximum cash withdrawal for each card in each calendar month is 10,000 (750 points per month for each city card, 500 points for each of the 7 other cards, and 500 points per month for the birthday month) 2000 points more).
Some ATMs can withdraw cash up to 10,000 yuan in a single transaction (the first transaction is free of charge). If you collect 1 GQ card, 2 Young cards, 3 Weibo cards and 6 , you can withdraw 3,000 points every month and 38,000 points every year (2,000 points more in your birthday month). A city card is worth 750 points per month and 9,000 points per year. Multiple cards can be added up. Is it still difficult to score points?
The China Merchants Bank Mobile Life APP also gradually allows you to withdraw 10,000 yuan in a single transaction (no need to go to the ATM). Although it shows that a 100 yuan handling fee is required, it will not actually be charged.
If you withdraw money on the same day, there will be no interest on the same day (the handling fee has been waived). It is best to withdraw cash after the bill date and before the repayment date, and pay off all bills that have been issued and unpaid bills first (because repayment is in order).
But it really doesn’t take perseverance to play with leg hair cards.
3. Get points when you apply for a card: 25,000 points as a first-time gift
Available for both Diamond Card and American Express Centurion Platinum Card.
4. Spending multiple times in the birthday month and on the birthday day
If you use the leg hair card to withdraw cash, you will get 2,000 more points in the birthday month.
On your birthday (can be modified), of course you will get 10 times the points on Classic White (1 point for 2 yuan, upper limit 10,000 points). One main card and two free supplementary cards, 10 times the points on the birthdays of 3 people. Spend 22,240 yuan to get 11,100 points, 33,300 points for three people, and the annual fees of 10,000 points, 5,000 points, and 5,000 points are deducted respectively, and you still earn 13,300 points.
5. Various points activities
1. Introduce card application. Successfully introduce one person and you will get 1000 points, and the more you introduce, the more rewards you will get. Long term.
2. Get cash advance and cash installment points.
3. Renew your card and get points.
4. Bind the official WeChat account and Palm Life APP to receive points.
5. Bind ApplePay, HUAWEIPay, and Xiaomi to get points.
6. Get points by adding a full-currency card.
7. Receive points for overseas consumption.
Please download the Palm Life APP, all kinds of points activities are in "My - Activities. Rewards".
6. There are points for Alipay, JD.com and Baidu payments
No points for Tenpay and UnionPay payments.
7. Daily consumption
1.5 times points for car cards and city series cards.
Please note that the points for cash withdrawal with the car card are 1.5 times, but the handling fee is not waived.
How to get credit card points
1. If you want to get credit card points, you need to spend more with your card. Generally, all bank credit cards will accumulate points for offline purchases; however, only some banks will calculate online purchases. Points; if you want to get an accurate answer, you can call the bank to consult. Note: Points will not be calculated for purchases at merchants in real estate, automobiles, wholesale, hospitals, schools, etc., as well as non-profit industries such as charity and social services.
2. Participate in bank activities. The bank launches a series of activities for credit cards every year. At this time, you will get more points for consumption, usually several times. You can always pay attention to the activities launched by the bank to which the credit card belongs.
3. Banks usually launch some special activities on the cardholder’s birthday. As long as you seize this opportunity to spend, you can get good points. Some can accumulate 5 times the points on purchases on the birthday, which is quite powerful. Big ones.
Credit card points generally have an expiration date, and can be redeemed for various products during the validity period. If the expiration date expires, the credit card points will be reset to zero, so while saving points, you should always pay attention to the validity period and expiration date of the points. You can call the bank to consult.
When using a credit card for consumption, if the consumption is canceled, the points generated will also be deducted, and the credit card repayment will pay revolving credit interest. Annual fees, late payment fees, and installment payment fees will not be incurred. integral.
This ends the introduction on how to earn points with credit cards and how to earn points with credit cards. Have you found the information you need?