How to get China Merchants Bank credit card points
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. So how to get China Merchants Bank credit card points?
1. China Merchants Bank credit card points can be obtained through these channels: swiping the card for consumption. Points are calculated based on the amount of a single purchase, and 1 point is earned for every 20 yuan/2 US dollars. Click "Raise Meow" in Palm Life, feed the cat every day, and accumulate points to redeem them when certain conditions are met. Participate in the "Daily Red Envelope" task in Palm Life, and you will receive points as a gift if you complete the task as needed.
2. You can also get more points by applying for an additional card, because all the accumulated points for consumption under the name of the main cardholder and the supplementary cardholder belong to the points account of the main cardholder and can only be used by the main cardholder. China Merchants Bank Credit Card has long held a variety of points reward activities, such as receiving points for recommending relatives and friends to apply for the card, etc. You can follow the Palm Life APP to keep track of event information.
3. When earning points, you need to pay attention to skills. For example, when swiping a card to make a purchase, try to choose a store that can collect points, because some merchants do not accumulate points for transactions and credit card charges. Specific details in this regard can be found in the credit card points section of China Merchants Bank’s official website. Points are permanent points and points with a valid period. Generally speaking, points obtained from cash withdrawals, bill installments, daily consumption, and recommending friends are permanent points; points awarded for some activities are points with a valid period. For details, please refer to the description of the activity.
Final reminder: In the process of continuously accumulating points, pay attention to going to the points mall to redeem your favorite gifts or other benefits. You can also use points to redeem annual fees.
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’s 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 merchants without points must 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 per card in each natural 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 all the bills that have been issued and unpaid bills first (because the repayments are 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 obtain China Merchants Bank points
1. You can use China Merchants Bank credit card to spend offline. Generally, you will earn 1 point for 1 yuan spent, and 7 points for 1 US dollar spent. On your birthday, Enjoy double points;
2. Earn credit card points by signing in, such as signing in on the China Merchants Bank Credit Card app Palm Life or signing in through the China Merchants Bank Credit Card WeChat official account;
3. You can get extra consumption points by applying for installment shopping with China Merchants Bank credit card;
4. You can get points by recommending relatives and friends around you to apply for China Merchants Bank credit card.
China Merchants Bank Credit Card Points Rules:
1. Our bank’s credit card consumption accumulates points, and 1 point is awarded for every 20 yuan/2 US dollars spent in a single transaction. The points are permanently valid. Points cannot be combined with others. (The points accumulation rules for money deposited into the card are the same);
2. AE Express card points, car card points, Jiuyou card points, Happy card points, World of Warcraft card points, FAW Toyota card points, QQVIP card points, city card points and Thinkpad card points will be combined into CMB credit card points at a ratio of 1:1;
3. The rules for accumulating points for car cards and city cards remain unchanged: you can still get 0.5 times the bonus points, and they will remain valid for 3 years; after the merger, customers can check the points that will expire within half a year through online banking, mobile banking, and the official credit card APP mobile life channel.
4. Airlines co-branded credit cards will earn 1 mile for every RMB 18/USD 2 spent in a single transaction, and ANA co-branded cards will earn 1 mile for every RMB 20/USD 2 spent in a single transaction.
The validity period of consumption miles shall be subject to the announcement of the partner.
5. The CMB credit card points accumulated by the Premium Platinum Installment Card will be rewarded with double points based on the amount automatically credited to the customer in each installment (general card consumption will no longer accumulate points), that is, every time the amount automatically credited to the account is reached, RMB 20 accumulates 2 China Merchants Bank permanent points. Generally, the original transaction of swiping the card 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.
Overview of the value of credit card points of each bank:
1. Bank of China
The best redemption products for non-co-branded cards of Bank of China are China Southern Airlines Miles and Jingdong Steel_, The redemption ratio of China Southern Airlines miles is 15,000:50, the upper limit is 300,000 miles/year, and the value of 100,000 points is 270 yuan.
2. Agricultural Bank of China
The best non-co-branded redemption product of Agricultural Bank of China is China Southern Airlines miles. The redemption ratio is 20:1, the upper limit is 100,000 miles/year, and the value of 100,000 points is 4.40 Yuan, points can be automatically combined and used when redeeming.
3. Industrial and Commercial Bank of China
The best redemption products for non-co-branded cards of ICBC are phone bills and gas cards. The redemption ratio is 500:1, with no upper limit. 100,000 points are worth 200 yuan. , can be automatically combined and used.
4. China Construction Bank
The best redemption product of China Construction Bank is the Sinopec gas card. The redemption ratio for other non-co-branded cards except car cards is 540:1, with no upper limit, 10 The value of 10,000 points is 180 yuan, which can be manually combined and used through online banking.
5. Bank of Communications
The best redemption product for non-co-branded cards of Bank of Communications except Bai Qilin is water, electricity, coal and phone bills. The redemption ratio is 667:1, and the upper limit is 5% of the order amount. , 100,000 points are worth 150 yuan. In addition, Bai Qilin redeemed 100,000 China Southern Airlines mileage points worth 440 yuan.
6. China Merchants Bank
China Merchants Bank’s classic white best redemption product is China Southern Airlines miles. 100,000 points can be worth 10,670 yuan. Other non-co-branded cards can be redeemed for Starbucks at 799 points/cup. 100,000 points are worth 4,130 yuan, but CMB only costs 1 point for 20 yuan.
7. Shanghai Pudong Development Bank
The best redemption product of Pudong Development Bank is China Southern Airlines miles. The redemption ratio of AE White is 9600:800, and the ordinary card is 48000:800. AE White is worth 100,000 points. 670 yuan, the ordinary card is worth 130 yuan.
8. China CITIC Bank
CITIC Bank’s best redemption product is also China Southern Airlines miles. The redemption ratio for the platinum card with a rigid annual fee is 25:1, and 100,000 points are worth 320 yuan, free of charge. The exchange ratio for annual fee platinum cards and gold cards is 50:1, and 100,000 points are worth 160 yuan.
That’s it for the introduction of how to earn points with China Merchants Credit Card.