Validity period

The accumulated points for consumption will be calculated starting from July 1, 2004, and the points will be valid forever. For credit cards with special points validity period restrictions for car cards and city-themed cards, please refer to the specific regulations of the corresponding credit card. The validity period of airline co-branded card consumption miles and Gloria Hotels Group co-branded card points shall be subject to the announcement of the partner. The validity period of marketing activity reward points shall be subject to the specific activity announcement.

Qualifications

(1) China Merchants Bank credit card holders must use a valid credit card issued by China Merchants Bank, including but not limited to UnionPay card, UnionPay-VISA card, UnionPay-MasterCard card, For consumption with the main card or supplementary card of UnionPay-JCB card and the co-branded identity card issued by a specific company or group (unless otherwise specified), you can accumulate points and choose to redeem or exchange for corresponding products, discount coupons, vouchers or Other valid certificates (hereinafter collectively referred to as "Feedback Project").

(2) Various airline co-branded credit cards (including but not limited to Air China Zhiyin co-branded credit card, China Southern Airlines Sky Pearl co-branded credit card, etc.) will not participate in this event because their consumption amount is automatically converted into mileage. The specific conversion ratio is Please refer to the specific regulations of the relevant credit card for details.

(3) Co-branded credit cards (such as Gloria Hotels co-branded credit cards, etc.) that separately accumulate partner points will not participate in this activity because the entire consumption amount is automatically converted into partner points. The specific conversion ratio is detailed See the specific rules of the relevant co-branded credit card.

(4) Starting from July 1, 2016, points will no longer be accumulated for business card cash advance transactions, including but not limited to through ATM machines, branch counters, customer service hotline voice systems, and online banking ( (limited to the principal cardholder) and other institutions or channels that can provide cash services for cash withdrawal or transfer transactions.

(5) Starting from March 1, 2017, points will no longer be accumulated for the first fee-free cash withdrawal transaction of each city-themed credit card each month, including but not limited to through ATM machines, outlet counters, Cash withdrawal or transfer transactions through the customer service hotline voice system, online banking (limited to the principal cardholder), and other institutions or channels that can provide cash services.

(6) Starting from April 17, 2017, cash advance transactions (including but not limited to YOUNG card, GQ card, Weibo Master Card, various student cards, etc.) will be free of charge. ) will no longer accumulate points, including but not limited to transactions involving cash withdrawals or transfers through ATM machines, branch counters, customer service hotline voice systems, online banking (limited to the principal cardholder), and other institutions or channels that can provide cash services.

(7) If the cardholder has any of the following circumstances: the credit card he holds is suspended or controlled, cancels the entire credit card on his own, fails to repay other debts of China Merchants Bank, violates the "Credit Card Collection Policy of China Merchants Bank" If you violate the "Credit Card Terms and Conditions of China Merchants Bank" or the rules of this activity and other relevant regulations, China Merchants Bank has the right to disqualify you from participating in the points reward activity.

(8) If the cardholder makes any use of non-genuine transactions, uses the system to commit fraud, or maliciously obtains points through other illegal means, once discovered, the illegally accumulated points will be regarded as invalid. China Merchants Bank Credit Card Center has the right to disqualify you from participating in points activities, refuse to issue goods redeemed by maliciously obtaining points or recover the goods you have redeemed, and reserves the right to pursue legal liability.

Points accumulation scope

(1) Consumption settled through overseas settlement lines (such as Visa, MasterCard, AE, JCB, etc.), and consumption settled through UnionPay lines and the transaction merchant is overseas (including Points will be accumulated for all purchases in Hong Kong, Macao and Taiwan);

(2) Points will be accumulated for online transactions at some designated merchants, while points will not be accumulated for other UnionPay online transactions;

(3) Domestic transactions Points can be accumulated for general UnionPay POS purchases. Points are not accumulated for designated merchant categories such as real estate, car sales, wholesale, supermarkets, gas, transportation, government convenience, hospital medical care, education, charity, etc. For details, please refer to the following "Points Not Accumulated" Merchant Category".

Points inquiry

(1) Official client: Download and bind the "China Merchants Bank Credit Card Official Client - Palm Life", enter "Card? Payment" → "Points" Query" to easily query.

(2) Official WeChat: Follow "China Merchants Bank Credit Card Official WeChat" and enter "Check Accounts" → "Check Points" to easily check.

(3) Official mobile website: Log in to the credit card mobile website and enter "My Account" → "My Points" to easily check.

(4) Official computer website: Log in to credit card online banking and enter "Points Management" → "Points Inquiry" to easily query.

(5) Official mobile banking: Log in to credit card mobile banking and enter "My" → "Credit Card" → "Points Management" → "Points Inquiry" to easily query.

(6) Bill inquiry: Each bill shows the available points as of the end of the previous natural month.

(7) Merchant query: available points can be checked on the POS machine of the designated point redemption merchant.

Redeem of points

(1) General card point redemption methods:

1. Official client: Download "China Merchants Bank Credit Card Official Client - Pocket "Life", go to "Discover" → "Points Redemption" to easily redeem.

2. Official WeChat: Follow "China Merchants Bank Credit Card Official WeChat" and enter "I want" → "I want more" → "Small points, big fun" to easily redeem.

3. Official mobile website: Visit the credit card mobile website, enter "Points Rewards" → "Spend Points" to easily redeem.

4. Official computer website: Visit the credit card website - points reward section to easily redeem.

5. Points to offset fees: Go to designated merchants, swipe points at the POS machine, and directly redeem designated products or discount the fee amount at a certain percentage. Points accumulated on Gloria hotel co-branded credit cards, airline co-branded credit cards, commercial cards and supplementary cards are not subject to points offset fees. If there are insufficient points when offsetting fees, the shortfall will be paid by credit card. Invoices will no longer be provided for goods and services redeemed for point offset fees. When offsetting points, it is not combined with other discounts in the store (except for large department stores and comprehensive supermarkets). Click here to view points redemption merchants.

(2) Points redemption for some featured cards

Card name points special rules Airlines co-branded credit cards (Air China, China Southern Airlines, China Eastern Airlines, Hainan Airlines, Xiamen Airlines co-branded credit cards) are automatically redeemed for the corresponding airline Company miles (points) do not accumulate China Merchants Bank credit card points. The Gloria Hotel co-branded credit card will be automatically converted into Gloria Hotel points, and China Merchants Bank credit card points will no longer be accumulated. Points for car cards and city-themed credit cards are valid for 3 years, and points with the shortest validity period will be used first for redemption. World of Warcraft co-branded credit card, Jiuyou.com co-branded credit card, THINKPAD co-branded credit card, QQ co-branded credit card, and Kaixin membership co-branded credit card products can be redeemed for gifts from the corresponding partners.