1. Credit card points of some banks can be used to reduce the annual credit card fee;

2. Bank card points can also be used to exchange some physical gifts or flight miles;

3. The points of the bank card can usually be used to participate in the lucky draw held by the bank;

4. Special merchants of some banks can allow consumers to use bank points to directly deduct the consumption amount.

UnionPay points can be used by "UnionPay online payment" merchants who support the deduction of UnionPay points, such as COFCO, 1, Railway Customer Service Center, Guevara Life Network, Kefan Chengpin, Wowotuan, COFCO Womai Network, Lvmama Travel and Youyou Network.

POS machine consumption points are the rewards given by the issuing bank to cardholders to use their own cards. Its essence is that the bank gives back part of the profits of this consumption to consumers. So take the integral.

Then the cardholder's contribution to the bank should be greater than or at least equal to the bank's credit card income. After all, there is no completely free lunch for no reason.

According to the current situation of UnionPay's domestic market, the credit card rate can be divided into three grades, namely, special industries with high rates (such as catering, jewelry, clubs, etc.). ), general industry (all kinds of ordinary retail stores, etc. ), and the wholesale industry with low discount rate (Daning International Tea City, etc.). ).

Please refer to our website for the profit sharing rules of issuing banks with various interest rates. Generally speaking, the industries with low discount rate make little contribution to the issuing banks, so they basically do not generate points.

UnionPay card function

1, UnionPay standard is universal.

UnionPay standard cards are issued in accordance with UnionPay's business and technical standards, and conform to ISO international general standards. Cardholders can easily withdraw money and spend money at any bank card acceptance point in China, as well as at ATMs and UnionPay merchants in more than 60 overseas regions (data as of June 20 17).

2. Using overseas cards saves money and benefits.

With the UnionPay standard card, you can use the UnionPay network to swipe your card for consumption or ATM withdrawal overseas, and use foreign currency to debit RMB, so as to avoid multiple exchange losses, avoid repayment of foreign exchange, and pay currency conversion fees ranging from 1-2%. The ATM withdrawal fee is relatively low, and you have the opportunity to enjoy UnionPay preferential activities, which is convenient and affordable.

3.24-hour quality service

The domestic customer service telephone number of UnionPay is 955 16, and free service hotlines have been opened in many overseas places. UnionPay standard card holders can get in touch with UnionPay customer service center directly by calling the national toll-free service hotline, and enjoy fast and high-quality 24-hour service.

4. Preferential merchants keep offering discounts.

UnionPay has carefully selected more than 10,000 preferential merchants at home and abroad for you. With the UnionPay standard card, you can enjoy many discounts on clothes, food, accommodation, transportation, etc., so that you can experience VIP courtesy all the time, and have wonderful activities all year round, giving a colorful gift to the surprise gift!