Use of Credit Card Points of Industrial Bank

How to exchange credit card points of Industrial Bank?

If you want to redeem the points accumulated by Industrial Bank's credit card, customers can directly log in to the "Haoxingdong" APP on their mobile phones, select "Xingdong Mall", click "Points Gifts", and then select the gifts to be redeemed. There are direct redemption of points and cash+points combination redemption.

Credit card points can be redeemed not only for gifts, but also for air miles and annual fees. Customers can click "My" on the "Good Action" APP, then "points" and then "consumption points" to redeem air miles; You can also call the customer service hotline of Industrial Bank at 9556 1, transfer to manual service, and apply to the customer service staff to exchange points for annual fees.

It should be noted that the points of Industrial Credit Card are valid within the validity period of the card. Also, if you spend points, then 550 points = 1 RMB. So if you buy goods with points, you need to spend 5500 points to buy goods with 10 yuan. However, credit card spending and cash advance can accumulate 1 points for every 1 yuan, and 6.5 points for every 1 dollar.

Period of validity of points:

(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 renewed automatically. After the credit card account is cancelled or cancelled, the remaining points will be cleared and cannot be recovered.

(2) The validity period of the newly issued credit card master points is valid within the validity period of the credit card master card on April 20 10/day. After the card expires, the cardholder will renew the card. After the card expires, the points of the original card can be kept for 3 natural months, and after 3 natural months, the unused points of the original card will be automatically cleared. Points cannot be transferred and merged between cards within 6 natural months before the card expires and during the settlement of points. If the card expires without renewal, 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.

(3) 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 all 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 3 natural months, and after 3 natural months, the unused points of the original card will be automatically cleared. Points cannot be transferred and merged between cards within 6 natural months before the card expires and during the settlement of points. If the card expires without renewal, 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.

How to exchange credit card points for free? Other cards appear when redeeming gifts.

There are other card processing steps for the free redemption of Industrial Credit Card points:

1. Cardholders can log on to the online integral mall to redeem gifts;

2. You can call the customer service hotline of Industrial Bank for gift exchange;

3. You can also use the Industrial Bank Credit Card APP to complete the redemption.

Credit card points can be exchanged for various physical coupons, air miles, annual fees and other gifts, and you can also add some cash to buy daily necessities. The above is about how to exchange credit card points for gifts for free.

What is the use of Industrial Bank credit card points?

Industrial Bank credit card points can be: annual fee for credit card swiping: Industrial Bank credit card points can be converted into annual fee for credit card swiping, saving an annual fee, especially for platinum cards with higher annual fees. Air mileage: At present, Industrial Bank points can be exchanged for Air China, China Southern Airlines, China Eastern Airlines, Hainan Airlines and Xiamen Airlines. Generally speaking, 25 points can be exchanged for 1 km. Commodities in integral mall: Industrial Bank has its own integral mall, which can be used to exchange credit card points for various commodities in integral mall. Industrial bank credit card. Credit card knowledge free annual fee policy: use Puka Gold Card to swipe the card five times to avoid the annual fee of cash advance in the following year: RMB: 2% of the cash advance, and pay no less than RMB 20 yuan each time (both in the same city and in different places).

1. Industrial Bank++Credit Card: 2% cash in advance, at least $2 per transaction (whether in the same city or in different places) Multi-account management: enjoy the quota * * *, single-day independent repayment installment payment business: support installment payment business; Interest-free installment for special merchants (3, 6, 12); Installment bill (not limited to the 3rd, 6th, 12, 18, 24th issues of Commodities and Merchants); Single consumption stage (No.3 and No.6,12); You can apply through credit card online banking, mobile banking, and customer service phone 18, 24, single consumption 100 yuan or more). Billing Date: The optional billing date varies depending on the card type.

2. Cardholders can change card types once every six months: ordinary card (amount 1500-50000 yuan) and gold card (amount 7000-50000 yuan). Card type "Platinum Card Series" UnionPay Platinum Credit Card Yuan Visa Standard Dual-currency Platinum Credit Card MasterCard Standard Dual-currency Platinum Credit Card Friendship Business Travel Platinum Credit Card Golf Platinum Credit Card Golf MasterCard Platinum Credit Card Golf UnionPay Platinum Credit Card Bank Card Mastercard Dual-currency Platinum Card Bank Card UnionPay RMB Platinum Card "Standard" Brand Series UnionPay Standard RMB Credit In order to better serve customers and enrich the product functions of our credit cards, Industrial Bank credit cards have promoted a number of withholding services in different cities across the country. Business types mainly include: China Unicom mobile phone fee withholding, telecom fee withholding, tap water fee withholding, electricity fee withholding, gas fee withholding, gas card withholding and so on. With the continuous development of new business, Industrial Bank will strive to develop diversified withholding services according to market conditions to meet the payment needs of different customers.

Operating environment: vivoX27OriginOS

Version 5.0.42 information of Industrial Bank

Where does the Industrial Bank exchange point operate?

1. Open the official APP of Industrial Bank Credit Card, log in to the home page, and click "Xingdong Mall" on the home page.

2. Enter the page and select "Give away points".

3. After entering the page, select "Gift Exchange" and you can go to integral mall to exchange and choose your favorite items.

Credit card points rules of Industrial Bank: RMB 1 Yuan 1, USD 1, 6.5; 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). You can earn double points in consumption abroad with a standard platinum card.

When using Industrial Bank's credit card, not all consumers will get points. For example, the transactions of airline co-branded credit card holders in supermarkets, gas stations, household appliances and jewelry businesses (category codes are 554 1, 5542, 541,5722, 5094) are not counted as credit card points. There will be no points for the consumption of some types of merchants.

The credit card of Industrial Bank must be returned on time after daily use, and there can be no overdue repayment, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. It is worth mentioning that the overdue repayment of credit cards will be uploaded to the credit information center, which will affect the subsequent handling of various loans, such as car loans or real estate credit cards: including five series of standard cards, theme cards, co-branded cards, identification cards and corporate cards, including more than 50 personalized products such as low-carbon credit cards, couples cards, star cards, platinum cards, loan cards and Taobao co-branded cards, all of which are the first in China, and the cumulative card issuance has exceeded 65.43. It has many special functions, such as integral consumption (that is, cardholders can brush points at cooperative merchants to deduct consumption funds), consumption/bill installment (that is, a single consumption fund or bill consumption amount can be applied for installment repayment), and numerous customer feedback preferential activities that are irregular throughout the year.

Focusing on "customers", keeping up with changes in the market situation, innovating financial products, improving platform construction, and forming a diversified product system covering personal asset business, liability business, payment and settlement, comprehensive financial management, etc., fully meeting the individual needs of customers.

Asset management business: Relying on professional operating institutions and subsidiaries such as trusts, funds and asset management, we have built a well-structured and fully-functional asset management business platform, and become one of the few banks with full licenses for asset management business in China, forming a wealth management product sequence with complete product categories and diverse structures, covering all kinds of omni-channel customer needs, with comprehensive wealth management capabilities among the best in the industry. .

What can I exchange for the credit card points of Industrial Bank? Can I change my points into cash?

Industrial Bank credit card points can be exchanged for air miles and annual fees, but points can not be exchanged for cash, but they can be exchanged for cash.

I. Redemption mileage

1, youyi business travel platinum credit card, youyue health platinum credit card: the annual fee of the main card was in 900 yuan in that year, and the redemption points were 1.5 million;

2. Enjoy the Platinum Credit Card (leisure series): the annual fee of the main card in that year is 900 yuan, and the redemption points are 6,543.8+0.5 million;

3. Enjoy the Platinum Credit Card (Standard Edition): the annual fee of the main card is 2,600 yuan, and the redemption points are 6,543.8+0.3 million;

4. Enjoy the Platinum Credit Card: the annual fee of the main card is 2,600 yuan, and the redemption points are 500,000 yuan.

Second, air mileage.

1, China International Airlines Co., Ltd.: Redeem 1 km "Air China Companion" mileage every 25 credit card points and 1 unit every 500 miles (i.e. 12500 credit card points).

2. China Southern Airlines Co., Ltd.: every 25 credit card points are redeemed for 1 "China Southern Pearl Club" mileage, and every 500 miles (i.e. 12500 credit card points) are redeemed for 1 unit.

Step 3 exchange cash

You can take the Industrial Bank credit card to the special merchant (please identify the acceptance sign) to swipe your card for shopping. As long as you tell the cashier to spend with points when swiping the card, you can exchange the points in the credit card for cash and deduct the payment.

Extended data:

The following items will not be calculated:

1, annual credit card fee, cash advance fee, installment fee, late payment fee and other expenses and interest;

2, credit card cash withdrawal and overpayment collection, deposit (return), transfer, spiritual use, bill installment;

3, telephone, insurance, water and electricity and other public utilities payment or withholding business;

4. Special consumption such as online consumption, public utilities, hospitals, governments, charities, schools and residents' services;

5, real estate, wholesale, household appliances, car sales and maintenance, gas (gas), gambling consumption;

6. UnionPay merchants with special preferential rates (including but not limited to three rural preferential rates, county and township preferential rates, fixed-rate preferential rates, etc.). ) it doesn't count;

7. If the cardholder's transaction merchant violates the parameter setting specification of the relevant bank card acceptance machine of China UnionPay, the cardholder's transaction in the merchant will not be counted;

8. If the cardholder uses the credit card for non-personal consumption, or rents, lends or gives the credit card to others for use, or is suspected of using false transactions to violate the Personal Credit Card Acquisition Contract of Industrial Bank, the Credit Card Articles of Association of Industrial Bank, the Rules of this Points Incentive Plan and other relevant regulations, points will not be calculated.

Industrial Bank Credit Card-Air Mileage

How to exchange credit card points of Industrial Bank?

Credit card points exchange method of Industrial Bank

1, short message exchange: edit the short message and send it to the designated number of the issuing bank to exchange goods;

2. Points offset: When the card-issuing bank joins the merchant's consumption, it can offset the cash consumption with points;

3. Online redemption: enter the credit card online club mall of the issuing bank for redemption;

4. Telephone exchange: turn on the service telephone exchange designated by the card bank;

Voice self-service redemption is to 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.

5. Redeem at the designated business outlets of the issuing bank.

The process of exchanging credit card points for goods in Industrial Bank

1. After customers enter the homepage of integral mall, they can start browsing the goods;

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

3. When you log in to integral mall, you can add the selected gift to your shopping cart and get the gift;

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 series of operations, you will receive the gift you exchanged within 1 month.

The object of the overall activity:

(1) The target of the integral activity is the credit card host of Industrial Bank.

(2) Industrial Bank credit card holders are not allowed to participate in points activities under any of the following circumstances:

1. The credit card is cancelled or deactivated;

2. Credit cards are regulated;

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;

Industrial Bank-Points Exchange Rules

This is the end of the introduction of the use of credit card points of Industrial Bank and the use of credit card points of Industrial Bank. I wonder if you have found the information you need?