The consumption rewards program of American crit cards is probably the envy of many Chinese. China Merchants Bank is consider to be the most successful bank in crit card business in China, but the crit card point system of China Merchants Bank is very stingy. Every RMB 20 spent earns 1 point, bas on 1,000 points, it is worth about RMB 40 if you don’t have a platinum card, and about RMB 100 if you have a platinum card. That is to say, you have to spend 1000×20=20000 yuan to get 40 yuan cash back. The cashback rate is about 0.2%. Of course, there are also the official standard treatment of amex, such as insurance, return insurance and other things.
These seemingly unbelievable various preferential
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