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

Summary:

I. Participation Qualifications 1. The points plan is applicable to all CITIC Bank credit card holders (hereinafter referred to as “cardholders”), except for the non-participation points plan specified by CITIC Bank Credit Card Center (hereinafter referred to as “Card Center”). Such as: the elimination of aviation joint name cards
                I. Participation qualification
1. The points plan is applicable to all CITIC Bank credit card holders (hereinafter referred to as “cardholders”), except for the non-participation points plan specified by CITIC Bank Credit Card Center (hereinafter referred to as “Card Center”). For example, the consumption points of the aviation joint-name card will be automatically converted to the corresponding airline mileage.

2. If the cardholder has the following conditions, including but not limited to: violation of CITIC credit card regulations, breach of CITIC credit card contract, expiration of credit card, suspension, control, cardholder cancellation of card, credit card or CITIC Bank If the other debts are not repaid and there are bad records, the card center has the right to cancel the cardholder's eligibility to participate in the points program.
  
Second, the scope of application of points
1. Cardholders use CITIC Bank credit cards for credit card consumption in restaurants, hotels, department stores, business supermarkets and other retail merchants. The mail order through the card center and the pre-borrowing cash using CITIC Bank credit cards can be accumulated. Points, except for transactions that do not calculate points based on this points program.

2. The following transaction types will not calculate points.
(1) Credit card annual fee, handling fee, over-limit fee, revolving interest, late payment fee, other credit card charges, etc.;

(2) Relevant expenses paid by means of withholding or payment;

(3) The staged transaction of the shopping mall starts from September 14 (including September 14th, 2006), and any transaction under the shopping mall instalment business does not enjoy the discount of the card center consumption bonus points);

(4) All online payment transactions (except for separate transactions of network type co-branded cards);

(5) Wholesale transactions;

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

(7) The card center reserves the right to pursue the legal liability of the cardholder and the right to recover the gifted points and the redeemed gifts through non-normal means or non-personal consumer transactions;

(8) Blue card cash withdrawal transaction;

(9) Other items separately specified by CITIC Card Center;

(10) All consumer transactions belonging to the following merchant categories do not participate in CITIC Bank credit card points accumulation.

Business category name Business category code
General Contractor - Residential and Commercial Building 1520
Real estate agency - real estate broker 7013
Active car dealer 5271
Car truck dealers - sales, service, repair, parts and rental of new and used cars 5511
Car truck dealers - specializing in the sale, service, repair, parts and rental of used cars 5521
Ship seller 5551
Travel trailers, entertainment car sellers 5561
Motorcycle store and dealer 5571
Camping, RV seller 5592
Snow car dealer 5598
Automobile, aircraft, agricultural locomotive integrated operator 5599
Motor vehicle supply and spare parts (wholesalers) 5013
Office and business furniture (wholesalers) 5021
Building materials wholesale (wholesalers) not included in other codes 5039
Office, photocopying and miniature photography equipment (wholesalers) 5044
Computer, computer peripherals (wholesaler) 5045
Commercial equipment not listed in other codes (wholesalers) 5046
Dental / Laboratory / Medical / Ophthalmology Hospital Equipment and Supplies (Wholesalers) 5047
Metal product service providers and companies (wholesalers) 5051
Electrical parts and equipment (wholesalers) 5065
Hardware equipment and supplies (wholesalers) 5072
Plumbing and heating equipment (wholesalers) 5074
Stationery, office supplies, copy paper and writing paper (wholesaler) 5111
Pharmaceutical and pharmaceutical operators (wholesalers) 5122
Cloth, sewing and other textiles (wholesalers) 5131
Men's and women's uniforms and clothing (wholesalers) 5137
Footwear (wholesaler) 5139
Petroleum and petroleum products (wholesalers) 5172
Books, periodicals and newspapers (wholesalers) 5192
Planting supplies, seedlings and flowers (wholesalers) 5193
Paint, varnish supplies (wholesalers) 5198
Other wholesalers 5998
Pawn shop 5933
public hospital 8062
Primary and secondary schools (public) 8211
Ordinary college (public) 8220
Charity and social welfare service organization 8398/8399
Fine 9222
Bail 9223
Tax payment 9311
Government services not listed in other codes (social security services, national mandatory) 9399
Embassy and consulate fees 9400
Political organization (government agency) 8651
Court fees, including alimony and child support 9211
Public utilities (electricity, gas, water, cleaning services) 4900
Direct sales - insurance direct sales 5960
Insurance sales, insurance and insurance 6300
Large enterprise wholesale merchant 5398
Tobacco distribution 4458
The second category of merchants (1) (county and township concessions) Temporary 9704
The second category of merchants (2) (county and township concessions) Temporary 9705
Four types of merchants (county and township concessions) Temporary 9708
UnionPay Internet Special store number: 0101-00999990013

Note: (1) Consumer transactions including but not limited to the above-mentioned merchant categories do not participate in CITIC Bank credit card points accumulation;

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

(3) The merchant category is based on the merchant category code set by the merchant POS machine. For details, please consult the special merchant and the acquiring institution;

(4) If the credits of the acquiring bank or the merchant incorrectly use the merchant category code and affect the accumulation of points, CITIC Bank will not bear the relevant responsibilities;

(5) CITIC Card Center reserves the right to adjust the above categories without counting points.

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

Third, the integral calculation method
1. Points earned by using CITIC Bank credit card consumption or withdrawal will take effect on the next day of the bank's accounting date. Please refer to the table below for the specific conversion ratio. The card center reserves the right to adjust the conversion ratio of points.

Type Card name Points
General card General credit card, etc. Puka (consumption or withdrawal)
RMB1/HKD1=1 minute USD1/EUR1=8 points
Gold, Titanium, Platinum (consumption or withdrawal)
RMB1/HKD1=2 points USD1/EUR1=16 points
Featured card Express card, magic card Puka (consumption or withdrawal)
RMB1/HKD1=1 minute USD1/EUR1=8 points
* Monthly consumption (including withdrawal) up to RMB1200 (inclusive), you can receive an additional 0.5 times points, and the additional 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) of more than RMB3500, you can get 1 extra points, and the extra points will not exceed 5000 points.
Tencent QQ co-branded card, Phoenix network co-branded card, Taobao co-branded card and other network class co-branded cards RMB1/HKD1=1 minute USD1/EUR1=8 points
*If you spend more than RMB2000 (inclusive) on monthly consumption (including cash withdrawal), you can get 1 extra bonus. If the single-month point transaction does not reach RMB2000, the transaction can get 1 time points.

Click here for the accumulative details of the network class joint name card points:Http://creditcard.ecitic.com/shenqing/wllmk/index.shtml 
Please click on the accumulative details of the Yueka points:Http://reditcard..ecitic.com/shenqing/yueka/jifenguize.shtml 
Please click on the details of the CITIC Huitianfu cash treasure joint name card:Http://reditcard..ecitic.com/shenqing/huitianfu/jifen.html

2. The cardholder's birthday consumption and withdrawal transaction will receive double points, which can be enjoyed at the same time as the above points rules. The current month transaction refers to the transaction that has been recorded on the last day of the cardholder's birthday, and the unrecorded transaction is not given; the gifted points will be credited to the cardholder's account within the next natural month of the cardholder's birthday; Offer is limited to primary card transactions.
  
3. If the cardholder returns the goods or services for the purchase of the goods for any reason, or refunds the transaction amount due to the spending dispute or other reasons (such as return), or cancels the cash advance transaction, the cardholder has previously obtained The points will be deducted by the Card Center according to the amount of the transaction cancelled by the Card Center. If the cardholder has used the points to redeem the points gift before deducting the corresponding points, resulting in insufficient credits in the credit card account, the card center will deduct the points balance in the cardholder's credit card account. In part, the cardholder's points account is counted as negative, and the cardholder will make up for the new points in the future. If there is a negative credit in the cardholder's account, the account will not be sold. You must apply for a shareholder by making up the negative points of the account through the accumulated points.

Fourth, the validity period of the points
1. The card account points are valid for a maximum of two years and a minimum of one year. The period from the crediting date to the credit card opening date (excluding the day) in the second year from the year of the first day of the December period (excluding the year) is the validity period of the points. If the points are not redeemed, they will be returned to zero.
For example: If you successfully applied for CITIC Credit Card on April 15, 2007, your points from April 15, 2007 to April 14, 2008 will expire on April 15, 2009; 2008 4 Points earned from January 15th to April 14th, 2009 will expire on April 15, 2010. By analogy, your points will be valid for up to 24 months and a minimum of 12 months. You can check your credit card statement for your available total points and points due date.

2. If the cardholder 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 gift items with insufficient points.
 
3. When the account credit is insufficient or the credit card account is in an abnormal state (including but not limited to the card being frozen, the account is closed, etc.), the cardholder will not be able to use the account. Redeem points for gifts. If the cardholder sells the card by himself and the card account still has valid points, you can choose to redeem the gift before using the card. Or the cardholder may apply to transfer the part of the credit to another CITIC credit card master account under his/her name (the precondition for the transfer is that the credit card account credit is still valid). If the cardholder's all CITIC credit cards have been sold or expired, the cardholder has no right to continue to use the points.

V. Gift redemption rules
1. Points gift redemption is only available to the cardholder of the main card. Different CITIC credit card points under the same cardholder's name can be combined at the time of redemption. The system will deduct the points according to the card order provided by the cardholder. Points under different cardholder names cannot be combined.
  
2. The cardholder can redeem the gift by means of “points” or “points + deductible amount”. If the customer chooses the “point + deductible amount” method, only the CITIC credit card submitted by the cardholder can be used as the credit card. 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 redemption fee for the primary or supplementary card under his/her name, and cannot apply for the annual fee for other cards. The annual fee is limited to one application per card per year. The annual fee redemption period begins with the annual fee for the next year after the first year's annual fee is generated. The first year's annual fee cannot be redeemed for points. Please be sure to apply for the annual redemption fee to the Card Center after the annual bill has been generated.

4. For the method of using the airline's flight mileage/flight points exchanged by the cardholder, please refer to and abide by the service terms and conditions announced by each airline.
 
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 the customer service hotline to modify the billing address before submitting the redemption application.
  
7. If the gift delivery fails due to personal reasons such as communication method, wrong delivery address, overdue, etc., the card center can charge the second delivery fee within 90 days from the date of submitting the order. The specific charging standard is charged according to the standards of the domestic post office or express delivery company. For more than 90 days, the order is considered cancelled and the deducted redemption points will be refunded to the cardholder's account. If you need to redeem again, you need to resubmit your application.
  
8, the number of gifts is limited, first apply first. At the same time, the card center reserves the right to replace the products that have been redeemed with the same value products. If it is not a quality problem, all points gifts cannot be returned, returned, refunded, refunded or redeemed for cash.
  
9, credit card online banking, points gift promotional brochures, manuals and other promotional materials listed on the gift pictures are for reference only, subject to the real thing. The additional parts outside the gifts listed in the picture are for decoration and do not form part of the gift.

10. The customer should check the integrity of the gift when signing the gift, and refuse to sign if there is a quality defect. Complaints about the quality of the gift should be filed within 2 weeks after receiving the gift. If the time limit is exceeded, it will not be returned. If the gift is redeemed for quality or after-sales service, it will be handled and resolved by the supplier who provides the gift or service. The Card Center is only responsible for assisting the cardholder to get in touch with the supplier.
  
6. Gift redemption method
Cardholders can submit redemption gift applications through the following channels:

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

2, send SMS "CR + redemption code + card end four" sent to 106980095558 to apply for redemption.

3. Call the 40088-95558 customer service hotline to apply for redemption.

4. CITIC Platinum Credit Card customers can call the 40060-95558 VIP service hotline to apply for redemption.

Seven, gift distribution
Points gifts are delivered through the courier company (gift distribution is limited to mainland China). All gifts are delivered free of charge unless the redemption information for individual gifts is clearly stated.

Eight, gift delivery timeliness
After the order is submitted, the gift will be delivered to your designated address within 15 working days (within 7 working days for Platinum Card and above) (the delivery time limit in remote areas will be extended appropriately, and the holiday will be postponed). Please keep the contact number open so that the delivery staff can contact the delivery.

Nine, gift service and quality
The gifts and services listed in this points plan are provided directly to the cardholder by the gift provider of the plan. The card center and the point gift supplier do not have the relationship of partnership, distribution, agency and guarantor. If there is any dispute over the quality of the gift or service provided by the cardholder and the supplier, the gift provider is responsible and the card center does not assume any legal responsibility.

[Exclusive Manuscript and Disclaimer] Any work that indicates the source of “Fu 360”, any media and individuals reproduced in whole or in part, please indicate the source (360 loan78.com). The information materials and conclusions contained in the article are for reference only and do not constitute investment advice.

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