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. Therefore, in order to get points, 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.