How to calculate the credit card points of Xingye?

Integral Rules of Industrial Credit Card (Debit Card)

Holding a credit card (debit card) of Industrial Bank can earn points for spending and borrowing in advance, but you can't get points for withdrawing the excess. Consumption is full 1 yuan 1 minute, full 1 USD 6.5. When the cash advance reaches 1 yuan 1 point and the cash advance reaches 1 USD, it reaches 6.5 points. Sub-card points enter the main card account, and the upper limit of a single point transaction is 1 10,000 points.

First, there are no scoring rules.

Industrial Bank Constellation Credit Card (Debit Card), Business Card (UnionPay Brand), QQVIP Credit Card (Debit Card), Xingyetong Card, Jixiang Airlines Co-branded Card, Taobao Co-branded Card (Debit Card), Guangzhou Mobile Co-branded Card (IC Card), Loan Integration Card, Li Xiang Credit Card (Debit Card), International Student Credit Card (Debit Card) and PASS Platinum Credit Card (Debit Card).

Second, the multiple integral rule.

1, consumption abroad can get double points with a standard platinum card; You can't get double points for overseas cash advances.

2. You can get double points for transactions made on your birthday, and this rule also applies to supplementary cards.

3. The standard platinum credit card (debit card) can get 4 times points for transactions on the birthday, and this rule also applies to supplementary cards.

How did Industrial Bank accumulate points?

The credit card (debit card) integral activity of Industrial Bank is a feedback activity carried out by the credit card (debit card) center of Industrial Bank. Cardholders can accumulate points by spending money in the bank or borrowing cash in advance, and can redeem various gifts and services according to the accumulated points. The integral accumulation rules are as follows:

1. General integral accumulation rule

Credit card (debit card) holders of Industrial Bank can earn points by spending in the card, and the rules of points are 1 RMB 1 points, 1 USD 6.5 points; If you borrow cash in advance, you can also enjoy the same points accumulation rules. It should be noted that a single point can't exceed 65,438 438+ 10/00000 at most, and you won't get points for the overpayment.

2. Integral multiple accumulation

In the following two cases, you can get double points. First, you can use the standard platinum card to operate and consume overseas; Second, the supplementary card can enjoy points when the cardholder makes a transaction on his birthday. Four times points can be obtained in the following situations, and four times points can be obtained for standard platinum card holders who spend on their birthday; If the points are paid through Taobao and other networks, the principle of consumption 1 meta-product 1 points shall be implemented.

Note: Cardholders cannot participate in the following situations

1. Credit card (debit card) has been deactivated, cancelled or controlled.

2. The credit card (debit card) is overdue for more than 30 days.

3. The cardholder violates relevant contracts, and commits illegal acts such as cash withdrawal, fraud and other abnormal card use behaviors.

Industrial Bank Credit Card Points Accumulation and Redemption Rules

I. Validity period of credit card points of Industrial Bank

Two. Credit card points of Industrial Bank

Three. Industrial Bank Credit Card Points Redemption

Four, Industrial Bank credit card points query method

Validity period of credit card points of Industrial Bank

I. Validity period of credit card points of Industrial Bank

The validity period of the main credit card points of Industrial Bank is within the validity period of the main credit card;

After the card expires, the cardholder will renew the card. After the card expires, the points of the original card can be kept for 90 days. After 90 days, the unused points of the original card will be automatically cleared. At the same time, from 180 days before the card expires to the point settlement period, the points between cards are not transferable and merged.

If there is no renewal fee when the card expires, the points will automatically become invalid after the card expires; After the credit card account is cancelled or cancelled, the remaining points will be cleared and cannot be recovered.

Two. Validity period of credit card characteristic points of Industrial Bank

The points of Industrial Bank Shanghai IPTV bestv co-branded credit card, Century Jinhua Yipin Life co-branded credit card and China low-carbon credit card are valid within the validity period of the main credit card;

After the card expires, the cardholder will renew the card. After the card expires, the points of the original card can be kept for 90 days. After 90 days, the unused points of the original card will be automatically cleared. At the same time, the points between cards shall not be transferred or merged before the card expires 180 days to the point settlement period;

If there is no renewal fee when the card expires, the points will automatically become invalid after the card expires; After the credit card account is cancelled or cancelled, the remaining points will be cleared and cannot be recovered.

Three. Provisions on the validity period of credit card points of Industrial Bank

20 10/April 0 1 The points of the newly issued credit card master card (excluding Industrial Bank Shanghai IPTV bestv co-branded credit card, Century Jinhua Yipin Life co-branded credit card and China low-carbon credit card) are valid within the validity period of the credit card;

After the card expires, the cardholder will renew the card and the points will be automatically extended; After the credit card account is cancelled or cancelled, the remaining points will be cleared and cannot be recovered.

Credit card points of Industrial Bank

I. Credit Card Points Rules of Industrial Bank

1. The target of the integral activity is the cardholder of Industrial Bank's credit card.

2. Credit card holders of Industrial Bank under any of the following circumstances shall not participate in the integral activities:

(1), the credit card is cancelled or deactivated;

(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 credit card collection contract of Industrial Bank;

(5) Credit card holders have illegal behaviors such as cashing, fraud, etc., or are suspected or may have illegal behaviors by the credit card center, or provide false transaction vouchers (including but not limited to false POS purchase orders and false shopping invoices) to the credit card center and other abnormal card use behaviors;

(6) Other circumstances stipulated by the credit card center.

Two. Industrial Bank Credit Card Points Accumulation Rules

1, general integral accumulation rule

Industrial Bank credit card holders hold valid Industrial Bank credit card signing accounts for consumption (except for electronic cash account deposit transactions and electronic cash consumption of Guangzhou Mobile Co-branded Card (ic card)) and cash advance (using Industrial Bank Starry Night? Constellation credit card, business card (UnionPay brand), QQVIP credit card, Xingyetong card, Jixiang Airlines co-branded card, Taobao co-branded card and Guangzhou Mobile co-branded card (IC card) can all earn points.

RMB 65,438+0 yuan 65,438+0, USD 65,438+0.

Every advance of RMB 65,438 +0 yuan cash, every advance of USD 65,438 +0 points.

The points earned by the supplementary card are included in the main card account.

The upper limit of a single integral transaction is 65438+ 100000 (including various multiple integral activities and ordinary transaction points).

2. Integral multiple accumulation

(1), if you use the Industrial Bank credit card (except the standard platinum credit card) to spend abroad, you can get double points (you can get double points on the basis of the general points accumulation rules), except for consumption without points (see paragraph 4 of this article); You can't get double points for overseas cash advances.

(2) If you use the standard Platinum Card outside China (excluding Hongkong, Macau and consumption abroad through UnionPay network), you can get triple points (double points will be given on the basis of the general points accumulation rules), but you can't get triple points for cash borrowed abroad.

(3) consumption abroad, the contracted account, only refers to the consumption completed through overseas Visa and MasterCard networks, excluding the consumption completed through Hongkong, Macau and overseas UnionPay networks, and also excluding the consumption mistakenly invested in domestic Visa and MasterCard networks.

(4) On the birthday of Industrial Bank credit card holders, they can get double points by using Industrial Bank credit cards (except standard platinum credit cards) for transactions (excluding points transactions) (giving double points in addition to the general points accumulation rules). Supplementary cardholders also enjoy double points on their birthdays (extra points are given on the basis of general points accumulation rules), and the points obtained are included in the main card account.

(5) Cardholders of the Standard Platinum Credit Card of Industrial Bank can get four times points (three times points except the general points accumulation rules) when they use the Standard Platinum Credit Card for transactions on their birthdays. On the birthday, the holder of the supplementary card of the standard platinum credit card will also enjoy four times of points (in addition to the general points accumulation rules, three times of points will be given away), and the points obtained will be included in the main card account. The maximum amount of extra points given by standard platinum credit card holders (including supplementary card holders) on their birthdays is 65,438+100,000.

Three, for the following fees and transactions do not calculate points.

1. Credit card transfer transaction, telephone/online banking cash advance transaction, RMB online payment transaction and withholding transaction (excluding insurance premium withholding business).

2. Annual credit card fee, interest, cash payment of points and various expenses (such as cash withdrawal transaction fee and late payment fee, etc.). ).

3. use the industrial bank starry night? Cash advance (including overpayment withdrawal) transactions of Constellation Credit Card, Business Card (UnionPay brand), QQVIP Credit Card, Xingyetong Credit Card, Taobao Co-branded Credit Card, Jixiang Airlines Co-branded Card and Guangzhou Mobile Co-branded Card.

4. Overpayment transactions of standard platinum credit card holders are not included in the points.

5. The electronic cash account and electronic cash consumption of Guangzhou Mobile Co-branded Card (ic card) are not counted as points.

6. Account signing consumption of specific types of merchants, including but not limited to real estate, automobile sales, wholesale transactions, telecom and TV payment, pawn auction, public institutions, hospitals, junior high schools, universities, colleges, professional schools, charity and social services, non-profit undertakings, fines, bail and bonds, tax payment, government services, embassy and consulate fees, government loans, etc. And the specific merchant categories listed in the following table.

7. Other items designated by the credit card center.

Industrial Bank Credit Card Points Redemption

I. Rules for Redemption of Credit Card Points of Industrial Bank

1. The Credit Card Center of Industrial Bank continues to earn points, and the points are given away. The validity period and redemption rules of different bonus activities and bonus gifts will be determined with specific activities and announced separately.

2. Cardholders can log on to online Xingye to enter the credit card integral mall for online self-redemption, or call the 24-hour customer service hotline 9556 1 for manual telephone redemption or voice self-redemption.

3. Once the redemption application is submitted, it cannot be changed or cancelled. If the cardholder's account points are not enough, the points cannot be borrowed in advance, and the gift exchange application will automatically become invalid without further notice. If the cardholder needs to transfer or merge points to exchange gifts, please apply in advance in accordance with the relevant provisions of Article 5 of this article.

4. In order to protect the rights and interests of cardholders, all redeemed bonus gifts will be sent to the cardholder's statement address. Unless otherwise specified, gifts will be arranged by suppliers or sent by post office, and gift certificates and insurance cards will be sent by registered mail. Please show your credit card and ID card when signing for the gift. Gifts sent through the post office shall be collected according to the relevant regulations of the postal department.

Generally, the cardholder will receive the gift within one month after the credit card center officially accepts the redemption application.

6. If it is found that the outer package of the gift is damaged or has quality problems before signing, the gift can be rejected, and the gift supplier will distribute it separately for free. If there is any non-quality problem, please do not refuse the gift, otherwise the relevant expenses will be borne by the cardholder.

7. There is no cooperation, agency or distribution relationship between Industrial Bank and integral gift suppliers. Gifts, gift certificates and services involved in the integral activities are directly provided by the supplier, and all responsibilities related to the quality and use of gifts are solely responsible by the supplier, which has nothing to do with Industrial Bank. Gift warranty is provided by the manufacturer according to the relevant provisions of the state, and Industrial Bank is not responsible for it.

8. Please use the gift certificate within the validity period indicated on the coupon surface. If it expires, it will be invalid. Neither Industrial Bank nor the gift certificate supplier will accept the request for return or exchange. Please take good care of the gift certificate. If it is lost, it will not be reissued.

9. The pictures, sizes, materials and performance indicators of the gifts involved in the promotion of integral activities are for reference only, subject to the physical objects.

10, the number of gifts for all points activities is limited, while stocks last.

1 1. During the integral activity, if the gift is stopped or upgraded, the credit card center will contact the cardholder and replace the corresponding gift.

Second, the Industrial Bank credit card points exchange method

1. Cardholders can make online self-service redemption by logging into the Credit Card Center of Industrial Bank (and entering the Credit Card integral mall).

Operation process:

(1), customers can start browsing the goods after entering the home page of integral mall;

(2) If you want to redeem online, you need to log in to integral mall first, otherwise you can only browse the goods, but you can't redeem gifts.

(3) Log in to integral mall, you can add the selected gifts to your shopping cart, and you can also receive gifts;

(4) When you finish the gift selection, you can enter the cashier and confirm the payment at the cashier.

(5) After the cashier confirms the payment, you need to submit the order, and then the system will deduct the corresponding points in your credit card according to your redemption application;

(6) After completing the above-mentioned series of operations, you will receive the gift you exchanged within 1 month;

(7) If you need to borrow points to redeem gifts in advance, please call the 24-hour customer service hotline 9556 1 to apply for redemption;

(8) Voice self-service redemption: call the 24-hour customer service hotline 9556 1, press 1 [Credit Card Business], then press 5 [Points Inquiry], then press 2 [Points Redemption], and follow the voice prompts.

2. You can also call the 24-hour customer service hotline 9556 1 for manual telephone exchange or voice self-service exchange.

Inquiry method of credit card points of Industrial Bank

1. Inquiry method of credit card points of Industrial Bank-bill inquiry

Credit card users of Industrial Bank can inquire about new points, redemption points, adjustment points and accumulated points as of the billing date in each billing cycle. (Note: Points are based on the "existing points" shown on your bill)

Second, the Industrial Bank credit card points inquiry method-customer service telephone inquiry

The credit card host of Industrial Bank can call the 24-hour customer service hotline of Industrial Bank at 9556 1. Platinum cardholders should dial the 24-hour VIP line 400-88-9556 1, press 1 [Credit Card Business], and then press 5 [Points Inquiry] to check the current points according to the voice prompts.

III. Inquiry method of credit card points of Industrial Bank-online banking inquiry

Log in to Industrial Bank Credit Card Online Banking (you can check your credit card points.

Fourth, the inquiry method of credit card points of Industrial Bank-SMS inquiry.

Write a short message "30xxxx" with the mobile phone number registered in Industrial Bank, where xxxx is the last four digits of the credit card; Send it to 9556 1 to check your current credit card points.

How to calculate the points of Industrial Bank?

Industrial Bank credit card holders hold valid Industrial Bank credit cards to sign accounts for consumption (except for deposit transactions and electronic cash consumption of Guangzhou Mobile Co-branded Card (ic card)).

Cash in advance (using Industrial Bank Star middot Constellation Credit Card, Business Card (UnionPay brand), QQVIP Credit Card, Industrial Pass Card, Jixiang Airlines Co-branded Card, Taobao Co-branded Card, Guangzhou Mobile Co-branded Card (IC Card), Debit Card and Credit Card can earn points except cash in advance (including overpayment withdrawal).

65,438+0. Every 65,438 +0 yuan RMB+0, every 65,438+0 USD will get 6.5.

2. Pay cash in advance for every 65,438+0 yuan RMB, and exchange 6.5 cents for every 65,438+0 USD.

3. The points obtained by the supplementary card are included in the main card account.

4. The upper limit of a single point transaction is 65,438+100,000 (including various multi-point activities and ordinary transaction points).

The above is the introduction of credit card integral calculation of Industrial Bank.

Extended data:

Integral multiple accumulation

1. If you use the standard platinum card to spend overseas (excluding spending done in Hong Kong, Macao and overseas through UnionPay network), you can get double points (double points will be given on the basis of the general points accumulation rules), except for spending without points (see paragraph 4 of this article); You can't get double points for overseas cash advances.

2. Account signing in consumption abroad only refers to the consumption completed through overseas Visa and MasterCard networks, excluding the consumption completed through Hong Kong, Macao and Taiwan and overseas UnionPay networks, and also excluding the consumption mistakenly invested in domestic Visa and MasterCard networks.

3. On the birthday of Industrial Bank credit card holders, they can get double points (except for transactions using their Industrial Bank credit cards (except standard platinum credit cards)) (excluding points transactions and transactions using Taobao co-branded credit cards through fast payment) (plus 1 point on the basis of general points accumulation rules).

Supplementary cardholders also enjoy double points on their birthdays (extra points are given on the basis of general points accumulation rules), and the points obtained are included in the main card account.

4. Industrial Bank standard platinum credit card holders can get 4 times points (3 times points on the basis of general points accumulation rules) when they use their own standard platinum credit card for transactions on their birthdays (excluding points transactions and transactions using Taobao co-branded credit cards through fast payment).

On the birthday, the holder of the supplementary card of the standard platinum credit card will also enjoy four times of points (in addition to the general points accumulation rules, three times of points will be given away), and the points obtained will be included in the main card account. The maximum amount of extra points given by standard platinum credit card holders (including supplementary card holders) on their birthdays is 65,438+100,000.

5. On the birthday of Industrial Bank, Taobao co-branded credit card holders spend money on Taobao through express payment with their own Taobao co-branded credit card, and get credit card points according to the principle of consumption 1 yuan product 1 points, but will not get extra birthday double points.

6. The standard platinum credit card of Industrial Bank here only includes UnionPay RMB platinum credit card, MasterCard standard dual-currency platinum credit card, Visa standard dual-currency platinum credit card and UnionPay Zunshang platinum credit card, which are the four cards shown in the figure below, and other cards are not included.