1 Bank of China
Consumption points: the accumulation period is one year (from July 1 day to June 29th of the following year). The accumulated points are valid for at least two years, and will be cleared at 24: 00 on June 30th after 24 months. (For example, the points generated from July 20 17 to June 29, 20 18 will expire on June 30, 2020).
The consumption points of Platinum Credit Card, Unlimited Credit Card, Great Wall Diamond Credit Card, Great Wall World Pole Credit Card and Great Wall American Express Private Bank Credit Card are valid for a long time, and the consumption points of National Fitness Card are valid for five years.
The following items will not accumulate trading points:
(1) Various interest and handling fees stipulated in the credit card articles of association or contract of China Bank, including but not limited to annual credit card fees, cash withdrawal fees, overdraft interest, liquidated damages and other credit card fees;
(2) Credit card transfer, cash withdrawal, deposit (repayment), withholding, agency payment, credit balance return and manual bill pressing transactions;
(3) online banking and telephone banking payment;
(4) Low discount rate or zero discount rate and special types of merchant consumption, including but not limited to real estate, automobile sales, wholesale transactions, public hospitals, public schools, junior high schools, government services, charities and public utilities, non-profit undertakings and other industries, as well as financial and government payment transactions (such as insurance, fines, investment, bail, tax payment, etc.). ), the above information will be subject to relevant institutions such as UnionPay.
(5) The acquiring institution has set up a white list of special charging marks, preferential categories, relief categories or non-standard charging according to the relevant norms of China UnionPay and other relevant institutions;
(6) Credit card consumption of merchants in third-party payment platforms;
(7) Merchant consumption for which MCC code of merchant category is not included in China UnionPay merchant category code;
(8) Consuming UnionPay brand credit cards through domestic online transactions;
Generally speaking, there are no points for online consumption, special fee merchants and code skipping transactions!
2. Minsheng Bank
(1) Merchants applying the special charging rules of UnionPay do not accumulate points, and the identification of merchants with special charges shall be based on the parameter data of China UnionPay merchants.
(2) The merchant category is subject to the merchant code and the merchant category code set by the merchant POS machine. If the point accumulation is affected by the misuse of the merchant category code by the acquiring institution or merchant, please consult the acquiring institution or merchant.
Generally speaking, there are no points for third-party code hopping transactions!
3. Bank of Communications
Period of validity of points: the end of the next billing year; (Calculated by billing year, such as May 2009 1 credit card swiping, and the deadline is 1 1 April 30th); That is, at least 1 year and at most two years;
The following items will not accumulate points:
(1) Various interests and handling fees stipulated in the applicable credit card articles of association or contract, including but not limited to annual credit card fees, cash withdrawal transaction fees, overdraft interest, liquidated damages, over-limit fees and other credit card fees.
(2) Transfer transactions, cash withdrawal transactions and online transactions (but some designated online transactions can accumulate points).
(3) Merchant transactions (including but not limited to three rural merchants, county and township preferential merchants, etc.). ) The special charging rules of UnionPay apply.
(4) specific types of debit consumption, including but not limited to real estate; Automobile sales; Wholesale transactions; Hospital; Primary and higher education institutions; Universities, colleges and specialized schools; Charity and social services, non-profit undertakings; Fines; Bail and deposit; Pay taxes; Government services; Embassy and consulate fees; Government loans;
(5) Other projects designated by the Bank of Communications.
Generally speaking, the Bank of Communications, which has always been known for its strict risk control, has set up stricter merchant categories this time!
4. China CITIC Bank
Each point has an independent entry date and is valid for 24 months. In other words, each point will expire on the last day of the posting month in the third year from the posting year. For example, the points recorded on August 22nd, 20 17 will expire on August 30th, 20 19.
The following items will not accumulate points:
(1) Annual credit card fee, handling fee, revolving interest, penalty, other credit card fees, etc.
(2) Paying related expenses by withholding or collecting and remitting;
(3) Cash installment transaction;
(4) installment trading in shopping malls;
(5) All online transactions (unless otherwise stipulated by online co-branded cards);
(6) blue card cash withdrawal transaction and UnionPay official card cash withdrawal transaction;
(seven) including but not limited to real estate, automobile, wholesale, hospitals, schools, government, charity, finance, social services, residential services and other non-profit businesses;
(8) Zero commission, low commission and special bill merchant transactions;
(9) Other projects specified by China CITIC Bank.
5. China Merchants Bank
(1) consumption settled by overseas settlement banks (such as Visa, MasterCard, AE, JCB, etc.). ) and through the UnionPay line settlement and trading merchants in overseas (including Hong Kong, Macao and Taiwan) consumption will accumulate points;
(2) Cumulative points of online transactions of designated merchants (Alipay, JD.COM, Baidu, etc.). ), other UnionPay online transactions do not accumulate points;
(3) Domestic UnionPay can accumulate points for general POS consumption, including designated merchant categories such as real estate, automobile sales, wholesale, supermarket, refueling, transportation, government convenience, hospital medical treatment, education, charity, etc. Non-product point; For details, please refer to the following "merchant categories without accumulated points";
(4) The merchants applying the special charging rules of UnionPay do not accumulate points, and the identification of special charging merchants shall be based on the parameter data of China UnionPay merchants;
(5) The related expenses withheld and remitted, annual credit card fee, revolving credit interest, all cash advance fees and interest, cash advance principal excluding fees, expenses arising from overdue payment (such as liquidated damages and interest) and other fees agreed in the credit card acquiring contract of China Merchants Bank will not accumulate points;
(six) other provisions do not accumulate points.
6. China Everbright Bank
Integral rule: 1 @= 1 min; 1$=8 o'clock;
If you use the credit card of China Everbright Bank to withdraw cash, you can get 1 00 points according to the accumulated handling fee 1 yuan, and you can get 800 points when it reaches 1 USD or1Euro. Among them, cash withdrawal transactions that do not charge cash withdrawal fees will not be included in the points.
The validity period of the points is 5 years (including the year when the points are generated). After the card expires, you can continue to use it to redeem gifts.
The following items will not participate in the points reward scheme:
(1) Real estate transaction;
(2) Automobile sales transactions;
(3) wholesale transactions;
(4) public hospital transactions;
(5) public school transactions;
(6) Charity and social service transactions;
(7) government transactions;
(8) Online transactions (note: WeChat payment has points);
(9) Agricultural cooperative transactions.
(10) county and township preferential transactions.
The above adjustments are all important adjustments since the price changes in 1996. It can be seen that all the special offers and previous businesses such as houses, cars and wholesale have no points! At the same time, some restrictions have been made on the rules of online trading points!
It can be said that if you want to get points in the future, you should not only polish your eyes to see clearly the types of businesses, but also spend money online through regular businesses to get points!
Dear friends, do you have anything to say about this adjustment?