How to get points with China Merchants Bank Credit Card

1. Use the credit card to make purchases. Points are calculated based on the amount of a single purchase. One point is earned for every RMB 20/USD 2.

2. Earn more points by applying for an additional card, because all the accumulated points for consumption under the name of the main cardholder and the additional cardholder belong to the main cardholder’s points account and can only be used by the main cardholder.

3. China Merchants Bank Credit Card has long held a variety of points reward activities, such as recommending relatives and friends to apply for the card to receive points, etc. You can follow the Palm Life APP to keep track of event information.

4. 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.

It should be noted that when swiping credit cards for purchases, try to choose stores that can collect points, because some merchants do not accumulate points for transactions and credit card charges. Specific details can be found in the credit card points on the official website of China Merchants Bank.

First, points are permanent points and points with validity 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 validity period. Please refer to the activity description for details.

Non-permanent points cannot be redeemed for the annual fee of 3,600 yuan for Classic White. Only permanent points can be redeemed for the annual fee of Classic White. In addition, non-permanent points have a validity period, usually 2.5 to 3 years. Both permanent points and non-permanent points can be used to redeem various point gifts (including air travel and hotels)

Second, the use of China Merchants Bank credit card points:

1. Deduct classic white New Year’s gifts Fee

The annual fee of CMB Classic White of 3,600 yuan per year can be deducted with 10,000 points. The rights and interests of Classic White are still very good. Although these rights and interests are not necessarily worth 3,600 yuan, the total value is estimated to be several thousand. These 10,000 points can be obtained by spending 22,400 yuan by credit card on your birthday, which is very cost-effective.

2. Redeem for air travel or luxury hotels

Redeem for luxury hotels: Not all cardholders can redeem this method. A Centurion Card is required to redeem.

Basically, 3,000 CMB points = 2,000 SPG hotel points, 3,000 CMB points = 2,000 Jumeirah hotel points, 1,000 CMB points = 2,000 Hilton hotel points

3. Redeem for Starbucks

799 points can be redeemed for 1 medium cup of Starbucks, worth 30 yuan, and 10,000 CMB points can be redeemed for 12.5 cups of Starbucks.

How to obtain credit card points of China Merchants Bank

Card holders can obtain credit card points in the following ways:

1. Points can be obtained by swiping the card, RMB per Earn 1 point for 20 yuan, and 1 point for every 2 U.S. dollars;

2. Search Points Paradise on the Palm Life APP, and then you can earn credit card points through games;

3. You can invite friends to register and bind any of your bank cards to Palm Life, and you can get credit card points after the invitation is successful;

4. You can recommend friends to apply for a China Merchants Bank credit card, and you can get credit card points after the recommendation is successful;

5. You can apply for credit card installment, and you can also receive credit card points after the installment is successful;

6. You can apply for cash withdrawal business, and you can also get credit card points after successfully withdrawing cash.

Finally, it should be noted that, except for the first one which is not an activity, the next five are all activities, so the credit card points awarded each month are also different, and the details are subject to the activity rules.

Extended information: How to use China Merchants Bank credit card points

1. China Merchants Bank credit card points can be used to redeem gifts. There are many ways to redeem. You can log in to the Palm Life client and select "Points Benefits" in the "Discover" menu to redeem gifts.

You can also open the official website of China Merchants Bank Credit Card, find the points redemption section, click in and choose to redeem your favorite gifts. You can also use China Merchants Bank Credit Card official APP Palm Life to choose gift redemption.

2. There are gifts that can be redeemed with China Merchants Bank credit card points. Good gifts for home, travel, and fashion; redeem major video memberships, such as Tencent membership, iQiyi membership, etc.; use points to play games or draw draws, and even use points to do micro-charity, etc. Cardholders can The points redemption interface offers multi-dimensional choices.

3. You can also enjoy delicious food by using China Merchants Bank credit card points. Watch movies and win prizes. In the month of the cardholder’s birthday, you can also receive special points discounts. In addition, some designated credit cards can also use points to redeem annual fees. For those game enthusiasts, credit card points can also be redeemed for currently popular game gift packages at great value, and there are a variety of novel ways to play with points.

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 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 get points with China Merchants Credit Card

1. First, you can get points by using China Merchants Bank Credit Card to make purchases offline. Generally, you will get 1 point for 1 yuan spent, and 7 points for 1 US dollar spent. , you can also enjoy double points on your birthday;

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 on the China Merchants Bank Credit Card WeChat official account to earn points;

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.

（Credit card app 7.2.65）

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. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Repayment methods

The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

1. Microbank POS mobile phone Weibanktong POS mobile phone is a mobile financial system personal payment terminal, which can be used to directly swipe credit cards for repayment, as well as transfer and other services. Instant payment!

2. Transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengpay, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

4. Convenience store repayment This method mainly completes repayment through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to receive the payment. At the same time, use There is no handling fee for repayment in this way.

5. Over-the-counter repayment Over-the-counter payment refers to the bank cards issued by various networked financial institutions. RMB current deposits and withdrawals can be carried out through the counters of other bank branches registered in the UnionPay exchange center host system. .

6. Xinpaytong repayment "Xinpaytong" smart card swiping phone is an innovative electronic device independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network. product.

7. Repayment Tong uses "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

How can I earn points by swiping my China Merchants Bank credit card?

Accumulation range of transaction reward points

1. Consumption settled by credit card through overseas settlement lines, and consumption through UnionPay line with the transaction merchant being overseas (including Hong Kong, Macao and Taiwan) .

2. For domestic UnionPay POS purchases with credit cards, merchant categories that accumulate transaction reward points include comprehensive retail and specialized retail, accommodation, catering and leisure and entertainment industries, direct selling merchants and financial categories;

3. Credit card transactions at designated merchants can accumulate transaction reward points, while other online transactions will not accumulate transaction reward points.

Extended information:

Transaction scope that does not accumulate points

1. Merchant transactions that are subject to UnionPay’s special billing rules do not accumulate transaction bonus points and are charged under special charges Merchant identification shall be subject to China UnionPay merchant parameter data.

2. Relevant fees paid through withholding and payment, credit card annual fees, revolving credit interest, cash advance fees and interest, fees derived from overdue payments (such as liquidated damages, interest) As well as other handling fees stipulated in the "China Merchants Bank Credit Card Acceptance Agreement", no transaction reward points will be accumulated.

3. Various cash transactions such as credit card cash advances and cash loans do not accumulate transaction reward points.

4. Other zero-rate or low-rate merchants will not accumulate transaction reward points.