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CITIC Bank Credit Card Points Conversion Rules
Editor: China CITIC BankSource: CITIC BankDate: 2013-05-27

Summary:

I. Qualifications for Participation 1. The points plan applies to all credit card holders of China CITIC Bank (hereinafter referred to as “cardholders”), except for those not specifically involved in the point plan specified in the Credit Card Center (hereinafter referred to as “card center”) of China CITIC Bank. Such as: elimination of aviation joint card
                I. Qualification for participation
1. The points plan applies to all credit card holders of China CITIC Bank (hereinafter referred to as "cardholders"), except for those not specifically involved in the point plan specified by China Credit Bank Credit Card Center (hereinafter referred to as "card center"). For example, the consumption points of the airline co-branded cards will all be automatically converted to the corresponding airline miles.

2. If the cardholder has any of the following conditions, including but not limited to: Violation of the CITIC Credit Card Regulations, Violation of the CITIC Credit Card Requisition Contract, Expiration of the Credit Card, Retirement, Control, Cardholder's Self-Sign-off of Cards, Credit to the Credit Card or CITIC Bank If the other debt is not repaid and there are bad records, the Card Center has the right to cancel the cardholder's qualification to participate in this point plan.
  
Second, the scope of application
1. Credit card spending by cardholders using CITIC Bank credit cards in restaurants, hotels, department stores, supermarkets, and other retail merchants. Mail ordering through card centers and cash advances from CITIC Bank credit cards can be accumulated. Points, except for transactions that do not calculate points based on this point plan.

2, the following transaction types will not calculate the integral
(1) Credit card annual fees, handling fees, over-limit fees, revolving interest, late fees, other credit card fees, etc.;

(2) The relevant fees paid through withholding and payment;

(3) Incentives for shopping malls on "September 14, 2006 (including September 14th)", any transaction under the mall's instalment business does not enjoy the discount of the card center's spending bonus points);

(4) All online payment transactions (except for transactions stipulated by the joint network card);

(5) Wholesale transactions;

(6) Low deduction, zero deduction, and special types of merchant transactions do not calculate points, including but not limited to: automobiles, real estate sales, wholesale merchants, public schools, hospitals, telecommunications, finance (including banks and securities), insurance , social services and non-profit organization transactions;

(7) The card center reserves the right to pursue legal liability for cardholders and the right to recover credits and redeemed gifts that have been presented through malicious means such as irregular means or non-personal consumer transactions.

(8) Blue card withdrawal transaction;

(9) Other items stipulated by the CITIC Card Center;

(10) All consumer transactions belonging to the following types of merchants do not participate in the cumulative amount of CITIC Bank's credit card points.

Business category name Business category code
General Contractors - Residential & Commercial Buildings 1520
Real Estate Agents - Real Estate Brokers 7013
Active RV Dealer 5271
Car Truck Dealers - Sales, Service, Repair, Parts & Rentals of New & Used Cars 5511
Automobile Truck Dealer - Specializing in the sale, service, repair, spare parts and rental of used cars 5521
Vessel seller 5551
Travel trailers, amusement vehicle vendors 5561
Motorcycle Shops and Distributors 5571
Camping, RV seller 5592
Snow dealer 5598
Automobile, aircraft, agricultural locomotive operators 5599
Motor vehicle supply and spare parts (wholesaler) 5013
Office & Business Furniture (Wholesaler) 5021
Unlisted building materials wholesalers (wholesalers) 5039
Office, photocopy and miniature photographic equipment (wholesaler) 5044
Computers, Computer Peripherals (Wholesalers) 5045
Commercial equipment (wholesalers) not included in other codes 5046
Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies (Wholesaler) 5047
Metal Products Service Providers and Companies (Wholesalers) 5051
Electrical Parts & Equipment (Wholesaler) 5065
Hardware Equipment & Supplies (Wholesaler) 5072
Pipes and heating equipment (wholesalers) 5074
Stationery, office supplies, copy paper and writing paper (wholesale) 5111
Drugs, Drug Operators (Wholesalers) 5122
Cloth, Sewing Supplies, and Other Textiles (Wholesalers) 5131
Men, women and children uniforms and clothing (wholesalers) 5137
Footwear (wholesalers) 5139
Petroleum and petroleum products (wholesalers) 5172
Books, periodicals and newspapers (wholesalers) 5192
Flowering plants, seedlings and flowers (wholesalers) 5193
Paints, varnishes supplies (wholesalers) 5198
Other wholesalers 5998
Pawnshop 5933
public hospital 8062
Primary and secondary schools (public) 8211
Ordinary colleges (public) 8220
Charity and Social Services Organization 8398/8399
Fine 9222
Bail bond 9223
Pay taxes 9311
Government services not included in other codes (social security services, national mandatory) 9399
Embassy fees 9400
Political organizations (government agencies) 8651
Court fees, including alimony and child support 9211
Utilities (electricity, gas, water, cleaning services) 4900
Direct - Insurance Direct 5960
Insurance sales, insurance and insurance 6300
Large Enterprise Wholesale Merchants 5398
Tobacco distribution 4458
Second-class merchants (1) (county-township concessions) Temporary 9704
Second-class merchants (2) (county-township concessions) Temporary 9705
Four types of merchants (county-township concessions) Temporary 9708
UnionPay Internet Special shop number: 0101-00999990013

Note: (1) Including, but not limited to, consumer transactions in the above categories of merchants, they do not participate in the cumulative amount of CITIC Bank's credit card points;

(2) The listed merchant category code (MCC) and name refer to relevant regulations of China UnionPay and be adjusted accordingly;

(3) The type of merchant is based on the merchant's category code set by the merchant's POS machine. For details, please contact the special merchant and acquirer;

(4) CITIC Bank shall not bear the relevant responsibilities if the accrued points are affected due to the incorrect use of the merchant category code by the acquiring bank or the merchant;

(5) CITIC Card Center reserves the right to adjust the above types of merchants without credit.

3. CITIC Credit Card points are only applicable to this point plan and do not constitute the assets of the cardholder. Points under the same cardholder's master account can be combined but not transferable to other cardholders or third parties. Non-credit card points (including, but not limited to, co-branded card merchant points) cannot be combined with credit card points in the name of the cardholder.

Third, the integral calculation method
1. The points generated by using CITIC Bank's credit card purchases or withdrawals are effective on the next day of the bank's accounting date. Please refer to the table below for specific conversion ratios. The Card Center reserves the right to adjust the conversion ratio of the points.

Category Card name Points
General card Standard cards and other general credit cards Puka (consumption or withdrawal)
RMB1/HKD1=1 points USD1/EUR1=8 points
Gold, Titanium, Platinum (Consumption or Withdrawal)
RMB1/HKD1=2 points USD1/EUR1=16 points
Characteristic card Express Card, Magic Card Puka (consumption or withdrawal)
RMB1/HKD1=1 points USD1/EUR1=8 points
* The monthly consumption (including cash withdrawal) is up to RMB1200 (inclusive), and you can receive an additional 0.5 times bonus points. The additional bonus points will not exceed 1500 points.

Gold, Titanium, Platinum (Consumption or Withdrawal)
RMB1/HKD1=2 points USD1/EUR1=16 points
* Monthly consumption (including cash withdrawal) can reach RMB3500 or more, and you can receive 1x bonus points. The additional bonus points will not exceed 5000 points.
Tencent QQ Co-branded Cards, Phoenix Network Co-branded Cards, Taobao Co-branded Cards and Other Network Co-branded Cards RMB1/HKD1=1 points USD1/EUR1=8 points
* Monthly consumption (including cash withdrawal) up to RMB2000 (inclusive), can receive 1x bonus points. If the monthly point trade does not reach RMB2000, the transaction will receive 1 times of points.

For the details of the online joint name card points, please click:Http://creditcard.ecitic.com/shenqing/wllmk/index.shtml 
Please click here for the detailed rules of Yuetka Points:Http://reditcard..ecitic.com/shenqing/yueka/jifenguize.shtml 
Please refer to the details of the CITIC Huifu Timbered UnionPay Card:Http://reditcard..ecitic.com/shenqing/huitianfu/jifen.html

2. The cardholder's birthday month consumption and cash withdrawal transactions can receive double points, which can be enjoyed at the same time as the above points rules. The monthly transaction is a transaction that has been booked on the last day of the cardholder’s birthday. Unbooked transactions will not be presented; the gift points will be credited to the cardholder’s account within the next natural month of the cardholder’s birthday; Offer is limited to the main card transaction.
  
3. The cardholder has returned the merchandise or service for spending for any reason, or refunded the transaction money (such as return) due to spending controversy or other reasons, or cancelled cash advance transaction, the cardholder had previously obtained The points will be deducted by the card center according to the amount of the cancelled transaction amount. If after deducting the corresponding points, the cardholder has used the points to redeem points for gifts, resulting in insufficient points in their credit card accounts to be deductible, the card center will deduct the points balance in the cardholder's credit card account for insufficient points. In part, points are counted in the cardholder's points account and will be reimbursed by the cardholder in the future with new points added. If there are negative points in the cardholder’s account, the account will not be cancelled. If you need to make up for the negative points in your account by accumulatively accumulating points, you can apply for cancellation.

Fourth, the integral validity period
1, the card account points valid for up to two years, the shortest one year. The period of validity of the credit card from the date of the credit recording date to the date of the credit card opening date on the same day (excluding the current date) from the year of the first day of the December period (excluding the year). If the points are not redeemed, they will be returned to zero. The
For example: When you successfully applied for CITIC Credit Card on April 15, 2007, your points for consumption from April 15, 2007 to April 14, 2008 will expire on April 15, 2009; The points generated from consumption from April 15 to April 14, 2009 will expire on April 15, 2010. And so on, so that your points can enjoy up to 24 months, the minimum period of validity of 12 months. You can check your credit card statement for your total available points and credit expiration date.

2. If the cardholder's account does not have enough points and only applies for redemption of the same gift, the redemption request will be automatically cancelled. If the customer applies for multiple gifts at the same time, the system randomly chooses to cancel the redemption of the points gift items.
 
3. When the account points are insufficient or the credit card account is in an abnormal state (including but not limited to the card is frozen, the cancellation of the various conditions and conditions of Article 1, paragraph 2 of this article), the cardholder will not be able to use the account Redeem points for gifts. If the cardholder sells the card on his own and the card account still has valid credits, he may choose to redeem the gift before using the credit card. Alternatively, the cardholder may apply for transfer of the portion of the credit to another CITIC Credit Card Master Card account under his or her name (the prerequisite for the transfer is that the sold card account points are still valid). If all credit cards of the cardholder have been cancelled or expired, the cardholder is not entitled to continue using the points.

V. Gift Exchange Rules
1. The redemption of points for gifts is limited to the main cardholders. Different CITIC credit card points under the same cardholder name can be used in combination at the time of redemption. The system will deduct the points in the card order provided by the cardholder. Points under different cardholder names cannot be combined.
  
2. The cardholder can redeem the gift by using “points” or “points + self-paid amount”. If the customer chooses the “point + self-paid amount” method, only the CITIC credit card submitted by the cardholder when applying can be used as Payment instrument. When the credit card limit is insufficient, the system will automatically cancel the redemption request.
       
3. The cardholder can only apply for the annual exchange fee for the primary or subsidiary card under his name, and can not apply for the annual fee for other cards. The annual fee exchange is limited to one application per year per card. And the annual fee redemption period begins with the annual fee for the following year after the first annual fee is generated. The annual fee for the first year cannot be redeemed for points. Please be sure to apply for the annual fee for points conversion to the card center after the annual fee bill is generated.

4. How to use the airline flight mileage/flying points exchanged by cardholders Refer to and comply with the airline's announced terms and conditions of service.
 
5. Once all redemption applications are accepted, they cannot be cancelled or changed. The required redemption points will be deducted from the designated account. The exchange transaction will be listed on the next statement.

6, the gift delivery address will default to the cardholder's statement address, if you need to change the billing address, please call customer service hotline to modify the billing address and then submit the conversion application.
  
7. If the gift delivery fails due to personal reasons such as the communication method, delivery address error, overdue payment, etc., the card center may charge the second delivery fee within 90 days after the card is submitted and the cardholder requests a new delivery. Specific charges are based on the standard of the domestic post office or courier company. For orders over 90 days, the order is deemed cancelled and the deducted redemption points will be returned to the cardholder account. If you need to redeem again, you need to resubmit your application.
  
8, a limited number of gifts, apply for first. At the same time, the card center reserves the right to replace the finished products with equivalent value products. If it is not a quality issue, all points gifts cannot be returned, exchanged, refunded, refunded or redeemed for cash.
  
9. The gift pictures listed on the credit card online banking, integral gift promotional brochures, brochures and other promotional materials are for reference only, and the actual items shall prevail. The additions to the gifts listed in the pictures are for decoration purposes and do not form part of the gifts.

10, the customer should check the integrity of the gift when signing the gift, if there is a quality defect can refuse to sign. The quality problem of the gift should be submitted within 2 weeks after receiving the gift. If it exceeds the time limit, the complaint cannot be returned. Gifts or service providers are responsible for handling and resolving any problems with quality gifts or after-sales services. The Card Center is only responsible for assisting the cardholder in getting in touch with the supplier.
  
Six, gift exchange
Cardholders can apply for redemption gifts through the following ways:

1. Log in to CITIC Credit Card Online Banking to submit a gift application.

2. Send SMS "CR+ exchange code + card at the end of the four" sent to 106980095558 to apply for redemption.

3, call 40088-95558 customer service hotline to apply for exchange.

4. CITIC Platinum credit card customers can call the 40060-95558 VIP service hotline to submit a redemption application.

Seven, gift delivery
Integral gifts are delivered through the courier company (gift delivery is limited to mainland China). Unless the exchange information for individual gifts is clearly stated, all gifts are delivered free of charge.

VIII. Gift Distribution Aging
After the order is submitted, the gift will be delivered to your designated address within 15 working days (within 7 working days for customers with Platinum Card and above) (The delivery time limit in remote areas will be extended appropriately, and will be postponed during holidays). Please keep in touch with your phone to allow delivery personnel to contact you for delivery.

Nine, gift service and quality
The gifts and services listed in this point plan are directly provided by the plan gift supplier to the cardholder. There is no partnership, distribution, agency and guarantor relationship between the card center and the point gift supplier. If the quality of the gift or service provided by the cardholder and the supplier is in dispute, the gift supplier will be responsible for it. The card center will not assume any legal responsibility.

【Exclusive manuscript and disclaimer】All works and any media or individual that indicate the origin of “Furong 360” are reproduced in whole or in part. Please indicate the source (360 loan78.com). The information materials and conclusions contained in the article only provide users with reference and do not constitute investment advice.

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