中信银行万豪旅享家®联名卡条款与细则
CITIC Marriott Bonvoy® Co-brand Card Terms and Conditions

定义表
Definition Table

年费日
Annual Fee Date		 指紧随联名卡激活后的第1天，以及从该日起的每个周年日。
means the 1st day immediately following the Activation of the Co-brand Card and each anniversary date from such date.
年度消费
Annual Spending		 指账单年内符合信用卡积分规则的合格消费，信用卡积分规则详见《中信银行万豪旅享家®联名卡积分累积条款与细则》。
means the Eligible Purchases and Qualified Spending that meets the credit card points rules within the Account Year. For details of the credit card points rules, please refer to the "CITIC Bank Marriott Bonvoy® Co-brand Card Point Earning Terms and Conditions".
账单年
Account Year		 指联名卡激活之日起的第一年，以及随后的自年费日起的每一年。
means the first year from the Activation date of the Co-brand Card and each year from each subsequent Annual Fee Date.
激活
Activate/Activation		 指由持卡人联系中信银行开通卡片正常使用功能以完成激活的过程。
means the process that a cardholder contact CITIC Bank to enable the normal function of the card to complete the activation.
联名卡
Co-brand Card		 指中信银行与万豪集团联名发行的信用卡，包括联名卡金卡、联名卡精逸白金卡以及联名卡白金卡。
means the Co-brand credit cards issued by CITTC Bank and Marriott International, Inc., including Co-brand Gold Card, Co-brand Platinum Card and Co-brand Premium Platinum Card.
联名卡金卡
Co-brand Gold Card		 指万豪旅享家®中信银行金卡。
means Marriott Bonvoy® CITIC Gold Card.
联名卡精逸白金卡
Co-brand Platinum Card		 指万豪旅享家®中信银行精逸白金卡。
means Marriott Bonvoy® CITIC Platinum Card.
联名卡白金卡
Co-brand Premium Platinum Card		 指万豪旅享家®中信银行白金卡。
means Marriott Bonvoy® CITIC Premium Platinum Card.
合格消费
Eligible Purchases and Qualified Spending		 指产品与服务的消费，除去退款、退货，符合中信银行所规定的信用卡积分累积线上线下交易类型的相关交易。
means the purchases of products and services, excluding refunds and returns, aligned with the types of online and offline transactions eligible for earning credit card Points as defined by CITIC Bank.
累计尊贵级别会籍有效房晚
Elite Night Credit		 指尊贵会籍要求的达到尊贵级别会籍和尊贵永久级别会籍所需的房晚（即每年尊贵级别会籍保级或升级，要求会员达到的累计有效房晚数）。
means the credits toward achieving the Elite membership and Elite permanent membership requirements (i.e. nights required for achieving or renewing Elite membership status every year).
免费奖励房晚
Free Night Award		 指联名卡精逸白金卡主卡持卡人或联名卡白金卡主卡持卡人在每个账单年内，缴纳年费后可获得的免费奖励房晚。
means the free night award that a primary cardholder of the Co-brand Platinum Card or the Co-brand Premium Platinum Card can earn after the payment of annual fee in each Account Year.
大中华区
Greater China		 指中国大陆及港澳台地区。
means mainland China & Hong Kong, Macau and Taiwan.
万豪旅享家参与酒店
Hotels Participating in Marriott Bonvoy		 指万豪国际旗下参与万豪旅享家忠诚计划的酒店，具体见本条款与细则第5条。
means the hotels participating in Marriott Bonvoy, see Article 5 of the terms and conditions for details.
万豪旅享家积分/积分
Marriott Bonvoy Points/Points		 指联名卡持卡人根据《中信银行万豪旅享家®联名卡条款与细则》、《中信银行万豪旅享家®联名卡积分累积条款与细则》获得的万豪旅享家积分。
means the Marriott Bonvoy points earned by the cardholders of the Co-brand Cards in accordance with the CITIC Marriott Bonvoy® Co-brand Card Terms and Conditions and the CITIC Bank Marriott Bonvoy® Co-brand Card Point Earning Terms and Conditions.
会员账户/万豪旅享家账户/万豪旅享家会员账户
Membership Account / Marriott Bonvoy Account / Marriott Bonvoy  Membership Account		 指您的万豪旅享家会员账户。
means your Marriott Bonvoy membership account.
大中华区参与餐厅
Participating Restaurants in Greater China		 指大中华区万豪旅享家参与酒店内参与优惠活动的餐厅或酒吧，具体见本条款与细则第5条。
means the participating restaurants or bars within the Hotels Participating in Marriott Bonvoy in Greater China, see Article 5 of the terms and conditions for details.

1.每个中信银行万豪旅享家®联名卡申请人或持卡人只能申请办理或拥有一张同一卡组织的联名卡主卡；若需要办理同一卡组织其它卡级的联名卡主卡，需取消目前所拥有或申请办理的联名卡主卡产品。办理中信银行万豪旅享家®联名卡将默认匹配万豪旅享家®新账户，已有万豪旅享家®会员账号的持卡人可在卡片批核后进行万豪旅享家®账户合并，不影响卡片使用及积分累计。如未能激活您中信银行万豪旅享家®的信用卡账户，包括万豪旅享家尊贵会籍、累计尊贵级别会籍有效房晚等权益将不会显示在您的万豪旅享家会员账户中。联名卡精逸白金卡持卡人与联名卡白金卡持卡人应支付年费以获得万豪旅享家权益。若在成功申办8周内或年费日之前取消您的信用卡（仅针对“联名卡精逸白金卡” 与“联名卡白金卡” 持卡人），您的万豪旅享家账户将不再显示更多与联名卡项目相关的万豪旅享家权益，包括但不限于累计尊贵级别会籍有效房晚和免费奖励房晚。
1. Marriott Bonvoy® CITIC Co-brand Card applicants or cardholders can apply for or own only one primary card of Marriott Bonvoy® CITIC Co-brand Card under one payment network. If one card applicant or cardholder would like to apply for another different-tier primary card of Marriott Bonvoy® CITIC Co-brand Card under same payment network, the person shall cancel his or her existing primary card or card application. When applying for the Marriott Bonvoy® CITIC Co-brand Card, it will generate a new Marriott Bonvoy® account automatically , and the Co-brand Card will link to the new account. The cardholder that already had Marriott Bonvoy® account can merge the Marriott Bonvoy® accounts after the card is approved, which does not affect the card use and points accumulation. If you fail to Activate your credit card account, your Marriott Bonvoy benefits including Marriott Bonvoy Elite status and Elite Night Credits will not be posted on to your Marriott Bonvoy Membership Account. Cardholders of Co-brand Platinum Card or Co-brand Premium Platinum Card must pay for annual fee to receive the benefits awarded by Marriott Bonvoy. If you close your credit card account within 8 weeks upon card Activation, or cancel your credit card account prior to the Annual Fee Date (only applicable to the cardholders of the Co-brand Platinum Card or the Co-brand Premium Platinum Card), your Marriott Bonvoy Membership Account will no longer be posted any additional Marriott benefits related to the Co-brand Card program, including but not limited to Marriott Bonvoy Elite status, Elite Night Credits and Free Night Awards.

2.万豪旅享家尊贵会籍  

2.Marriott Bonvoy Elite Status

 

 

 

 

3. 累计尊贵级别会籍有效房晚

3. Marriott Bonvoy Elite Night Credits

4.  持卡人预订大中华区万豪国际集团旗下参与万豪旅享家的酒店时可享9折订房专属优惠。

4. Exclusive 10% room discount for cardholders when booking with hotels participating in Marriott Bonvoy in Greater China.

 

5. 低至8折的餐厅及酒吧优惠：

5. Up to 20% off F&B discount:

6.免费奖励房晚

请访问https://www.marriott.com/loyalty/redeem/hotel-redemption.mi或致电万豪旅享家(客户服务与常客计划)热线(+86 4008 688 688)获取您可以兑换免费奖励房晚的参与酒店名单，亦可以通过万豪旅享家(客户服务与常客计划)客服直接进行兑换。

6. Free Night Award

 

Please visit https://www.marriott.com/loyalty/redeem/hotel-redemption.mi or call the Marriott Bonvoy (Customer Service and Loyalty Program) hotline at +86 4008 688 688 for a list of participating hotels where you can redeem your Free Night Award. Redemptions can also be made directly through Marriott Bonvoy (Customer Service and Loyalty Program) via customer service.

7. 赚取万豪旅享家积分：

卡级别

累积积分交易累积比例
（人民币交易）

白金卡

10元合格消费 : 1积分

精逸白金卡

10元合格消费 : 1积分

金卡

18元合格消费 : 1积分

 

卡级别

累积积分交易累积比例
（人民币交易）

白金卡

10元合格消费 : 3积分

精逸白金卡

10元合格消费 : 2积分

金卡

18元合格消费 : 2积分

 

7. Earn Marriott Bonvoy Points

Card Category

Spending-Point earning ratio (in RMB)

Premium Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

Gold Card

18 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

 

Card Category

Spending-Point earning ratio (in RMB)

Premium Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 3  Marriott Bonvoy Points

Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 2 Marriott Bonvoy Points

Gold Card

18 RMB of Eligible Purchases and Qualified Spending: 2 Marriott Bonvoy Points

 

8. 万豪精品店9折专属优惠: 
联名卡持卡人会通过万豪国际集团与中信银行信用卡中心发送的邮件、短信或其它营销渠道等获取动态优惠码，登录万豪精品店。持卡人挑选心仪商品加入购物车，在订单结算页面输入优惠码，显示优惠后，提交订单并选择信用卡，使用联名卡完成支付。

8. Exclusive 10% discount at Marriott Bonvoy Boutiques:
Cardholders of Co-brand Cards will receive dynamic coupon code and access Marriott Bonvoy Boutiques via  emails, SMS or other marketing assets sent by Marriott International and CITIC Bank Credit Card Center. After selecting commodities of their choice and adding them to the shopping cart, cardholders may find and enjoy the discounted offerings by entering the coupon code on the order checkout stand page, and then proceed to submit the order and complete payment by the Co-brand Card.

9. 万誉会(Club Marriott) 会籍9折：联名卡持卡人购买大中华区参与万誉会的酒店所发行的万誉会会籍即可享9折优惠。

详情请见：http://www.myclubmarriott.com/home/index/ch 
9. 10% discount on Club Marriott membership:
Cardholders of Co-brand Cards enjoy 10% discount on purchasing Club Marriott membership issued by Club Marriott’s fully participating hotels in Greater China.

The offer is applicable to all types of Club Marriott membership in fully participating hotels  in Greater China.  For more information, please visit：https://www.myclubmarriott.com/LandingPage/en/wechat-landing-page

For more information, please visit: http://www.myclubmarriott.com/home/index/ch

10. 年度消费奖励:

 

10. Annual Spending bonus:

 

11. 盗刷保障险使用规则：新开卡持卡人在首次刷卡消费的次日零时起享受该保险，此后的一年为一个保险年。如信用卡连续6个月没有发生交易，该信用卡将自动取消该保险，信用卡在连续6个月没有使用后又再次使用的，则在重新交易的次日零时起该信用卡可重享此项保险，此后的一年为一个保险年。联名卡金卡主卡持卡人与附属卡持卡人，在联名卡有效期内，在每个保险年度内，可获得最高价值人民币5000元盗刷保障险。联名卡精逸白金卡与联名卡白金卡的主卡持卡人与附属卡持卡人，在联名卡有效期内，在每个保险年度内，均可获得最高价值人民币3万元的盗刷保障险。详见：https://creditcard.eCITIC.com/tc/daoshua.htm 
11. Fraud insurance rules:
New cardholders are eligible for this insurance from 00:00 am on the next day of the first credit card purchase and the subsequent one calendar year is as an insurance year. The insurance will be automatically cancelled if the credit card has no transaction for 6 consecutive months. The credit card will be entitled to this insurance again from 00:00 am on the next day of a new qualified transaction if the credit card is used again after 6 consecutive months of non-use, and the subsequent one calendar year is an insurance year. The primary and supplementary cardholders of the Co-brand Gold Card are entitled to fraud insurance worth up to RMB 5,000 per insurance year during the validity period of the Co-brand Card. The primary and supplementary cardholders of the Co-brand Platinum Card and Premium Platinum Card are entitled to fraud insurance up to RMB 30,000 per insurance year during the validity period of the Co-brand Card. Please refer to: https://creditcard.eCITIC.com/tc/daoshua.htm .

12. 航班延误险使用规则：
 在联名卡有效期内的每个账单年，符合中信银行信用卡中心特定条件的
联名卡金卡主卡及附属卡：航班延误4小时最高可获赔1000元用联名卡金卡主卡或附属卡在指定渠道支付的机票款 
联名卡精逸白金卡与白金卡主卡及其附属卡：航班延误2小时最高可获赔1000元用联名卡精逸白金卡或白金卡主卡或附属卡在指定渠道支付的机票款，或航班延误4小时最高可获赔2000元用联名精逸白金卡或白金卡主卡或附属卡在指定渠道支付的机票款
具体的航班延误险权益与服务细则以中信银行信用卡中心公示为准，查询中信信用卡航班延误险条款与细则，请见：https://creditcard.eCITIC.com/tc/flight.htm 

12. Flight Delay Insurance Rules:
During the validity period of the Co-brand Card, in each Account Year,
a) the primary or supplementary cardholder of the Co-brand Gold Card will be entitled to a maximum indemnity of RMB 1,000 for air tickets paid by the primary or supplementary Co-brand Gold Card in designated channels for a 4-hour delay;
b) the primary or supplementary cardholder of the Co-brand Platinum Card or the Co-brand Premium Platinum Card will be entitled to a maximum indemnity of RMB 1,000 for air tickets paid by the primary or supplementary Co-brand Platinum Card or Co-brand Premium Platinum Card in designated channels for a 2-hour delay, or a maximum indemnity of RMB 2,000 for air tickets paid by the primary or supplementary Co-brand Platinum Card or Co-brand Premium Platinum Card in designated channels for a 4-hour delay.  
Flight Delay Insurance benefits and services are provided by CITIC Bank Credit Card Center. Please refer to: https://creditcard.eCITIC.com/tc/flight.htm  for terms and conditions of CITIC Credit Card Flight Delay Insurance. 

13. 24小时全球航班意外险使用规则：联名卡精逸白金卡主卡持卡人与联名卡白金卡的主卡持卡人与附属卡持卡人，在联名卡有效期内的每个账单年，符合中信银行信用卡中心特定条件的，因持卡人本人使用信用卡为本人或本人及其同行配偶及/或子女全额支付购买拟乘航班的客乘票证或者支付80%或以上的旅游团费用，并因此乘坐相关航班，发生意外交通事故产生意外伤害并导致被保险人身故或残疾的，经被保险人或其他索赔申请人提出申请，可享受保险公司提供的航空意外伤害保险。被保险人满足规定条件后可以获得的保险金额最高限额（亦是保险公司承担给付保险金责任的最高限额）人民币15,000元。
具体的24小时全球航班意外险权益与服务细则以中信银行信用卡中心官网公示为准，查询中信信用卡航班意外险条款与服务，请见：https://creditcard.eCITIC.com/tc/lytk.htm 
13. 24-hour Global Aviation Accident Insurance Rules:
Primary and supplementary cardholders of the Co-brand Platinum Card and the primary cardholders of the Co-brand Premium Platinum Card will, during the validity period of the Co-brand Cards, in each Account Year, if the cardholder uses the credit card to pay   for the purchase of a flight passenger ticket  or 80% or more of the tour fare for himself/herself or himself/herself with his/her spouse and/or children, and as a result of which the insured person dies or becomes disabled as a result of an accidental traffic accident on the relevant flight, the insured person or other claimants will be entitled to the aviation accident insurance provided by the insurance company upon application. The amount of insurance is up to RMB 15,000 (which is also the maximum limit of the insurance company's liability to pay benefits) that the insured person can receive after meeting the specified conditions.
The 24-hour global Aviation Accident insurance benefits and services are provided by CITIC Bank Credit Card Center. Please refer to: https://creditcard.eCITIC.com/tc/lytk.htm for the terms and services of CITIC Credit Card Aviation Accident Insurance.

14.  机场高铁站贵宾厅使用细则：符合中信银行信用卡中心特定条件下，
作为联名卡精逸白金卡的主卡持卡人，在联名卡有效期内，每年可享受境内外400多个城市机场高铁站通用的4点贵宾厅使用权。
作为联名卡白金卡的主卡持卡人，在联名卡有效期内，每年可享受境内外400多个城市机场高铁站通用的16点贵宾厅使用权。
作为联名卡白金卡的附属卡持卡人，在联名卡有效期内，每年可享受境内外400多个城市机场高铁站通用的8点贵宾厅使用权。
（贵宾厅权益以点数记，机场贵宾厅使用一次记1点，高铁贵宾厅使用一次记0.5点，可自由组合至点数用尽）
具体中信信用卡客户机场贵宾厅服务细则以中信银行信用卡中心官网公示为准，详情请见：https://creditcard.eCITIC.com/platinum/dengji.html 
14. Airport & High-Speed Train Station Lounge Access Rules:
As the primary cardholder of the Co-brand Platinum Card, during the validity period of the Co-brand Card, the cardholder can use 4-Points right of airport & high-speed train station lounge access in more than 400 cities in China and abroad every year.
As the primary cardholder of the Co-brand Premium Platinum Card, during the validity period of the Co-brand Card, the cardholder can use 16-Points right of airport & high-speed train station lounge access in more than 400 cities in China and abroad every year.  
As the supplementary cardholder of the Co-brand Premium Platinum Card, during the validity period of the Co-brand Card, the cardholder can use 8-Points right of airport & high-speed train station lounge access in more than 400 cities in China and abroad every year.  
(Airport & High-Speed Train Station lounge access will be counted as 1 Point.  High-speed railway station lounge will be counted as 0.5 Point. Cardholders can freely use the Points for airport and high until the Points are exhausted)
For CITIC Credit Card customers, please refer to https://creditcard.eCITIC.com/platinum/dengji.html for details of airport lounge service rules.

15. 符合中信银行信用卡中心特定条件的联名卡精逸白金卡主卡持卡人与联名卡白金卡主卡与附属卡持卡人可享受由中信银行信用卡中心提供的高端权益-预约挂号与陪护服务。
具体细则以中信银行信用卡中心官网公示为准，详情请见：https://creditcard.eCITIC.com/platinum/yuyue_gh.html 
15. The primary and supplementary cardholders of the Co-brand Platinum Cards and the primary cardholders of the Co-brand Premium Platinum Cards are entitled to the high-end benefits provided by CITIC Bank Credit Card Center – VIP medical appointment and escort service.
For details, please visit: https://creditcard.eCITIC.com/platinum/yuyue_gh.html 

16.符合中信银行信用卡中心特定条件的 联名卡精逸白金卡与联名卡白金卡主卡与附属卡持卡人可享受由中信银行信用卡中心提供的高端权益-汽车道路救援服务。具体细则以中信银行信用卡中心官网公示为准，详情请见https://creditcard.ecitic.com/platinum/daolujy.html.
16. The primary and supplementary cardholders of the Co-brand Platinum Cards and the Co-brand Premium Platinum Cards are entitled to the high-end benefits provided by CITIC Bank Credit Card Center - roadside assistance. For more information, please visit: https://creditcard.ecitic.com/platinum/daolujy.html.

17. 其他优惠：适用于所有万豪旅享家以及中信银行信用卡条款与附则。 在法律允许的范围内，中信银行信用卡中心及万豪旅享家保留对以上权益所有条款与附则的解释权。除上述权益外，联名卡持卡人不享有中信银行其他未提及的信用卡权益。
17. Other Benefits: All the Marriott Bonvoy and CITIC Bank Credit Card terms and conditions apply. To the extent permitted by law, CITIC Bank Credit Card Center and Marriott Bonvoy reserve the right of interpretation of all the above benefits terms and conditions. Expect the benefits mentioned above, the  cardholders do not have benefits of other CITIC Bank credit cards that not mentioned above.

18. 中信银行信用卡/联名卡类活动规则详情请通过中信官方渠道-https://creditcard.ecitic.com/ 进行查询
18. For details of the rules of the credit cards/Co-brand Cards related programs, please query through the official channels of CITIC Bank at https://creditcard.ecitic.com/ 

19. 万豪旅享家会员常客计划信息：万豪旅享家积分累积、万豪旅享家会员礼遇和万豪旅享家发放的奖励应遵守万豪旅享家忠诚计划的条款和条件。
请参阅https://www.marriott.com.cn/loyalty.mi和https://www.marriott.com/loyalty/terms/default.mi了解万豪旅享家常客计划的完整条款和条件，包括所有的兑换规则：
万豪旅享家常客计划的条款和条件可能会被修改，服务和权益可能会在不通知持卡人的情况下进行调整或删除。如果您还不是万豪旅享家会员，或在申请信用卡时没有提供万豪旅享家会员号码，在提供申请信息并获得联名卡审批后，万豪国际将自动为您注册万豪旅享家常客计划。信用卡申请未获批准的个人将不会通过此优惠加入万豪旅享家常客计划。您现有的万豪旅享家尊贵会籍亦将不受影响。申请附属卡成功的持卡人将不会因为此项联名卡计划被注册成为万豪旅享家会员。通过附属卡获得的万豪旅享家积分，只会计入主卡持卡人的万豪旅享家会员账户。
当您申请并获得批准时，即表示您授权中信在法律允许的范围内与万豪国际及代理机构共享您的信息，用于此联名卡营销与相关的行政目的。申请信用卡帐户须经中信银行信用卡中信进行信用核批。
当您申请并获得批准时，即表示您授权中信在符合万豪中国大陆隐私声明所规定之目的的情况下将个人信息跨境传输至万豪集团，包括加入万豪旅享家、接受会员服务和相关礼遇。你理解可以通过万豪中国大陆隐私声明所列之方式联系万豪集团。如相关法律要求，我们会就此取得您的单独同意并履行其他法定义务（如有）。
万豪旅享家积分、奖励和福利均以万豪旅享家计划规则为准。 欲了解更多信息，请访问marriott.com.cn。   
根据万豪旅享家计划规则，若持卡人无法提供与持卡人姓名一致的有效的万豪旅享家会员账户编号，或所提供的会员账户编号错误，将无法累积相应礼遇，除非持卡会员提供有效的万豪旅享家会员编号。

19. Marriott Bonvoy Loyalty Program: Marriott Bonvoy Points accrued, Marriott Bonvoy benefits earned, and Marriott Bonvoy awards issued are subject to the Marriott Bonvoy Loyalty Program terms and conditions.
See https://www.marriott.com.cn/loyalty.mi and https://www.marriott.com/loyalty/terms/default.mi for complete terms and conditions of the Marriott Bonvoy Loyalty Program, including all redemption rules:     

中信银行万豪旅享家®联名卡积分累积条款与细则
Marriott Bonvoy® CITIC Co-brand Card Point Earning Terms and Conditions

本中信银行万豪旅享家®联名卡积分累积条款与细则（以下简称“积分累积规则”）,根据中信银行信用卡积分规则的条款与附则，适用于全体持有中信银行万豪旅享家联名卡（以下简称“联名卡”）持卡人（以下简称“持卡人”）。
The CITIC Bank Marriott Bonvoy Co-brand Card Point Earning Terms and Conditions (hereinafter referred to as the "Point Earning Rules") in accordance with CITIC Bank Credit Card Points Award Rules shall apply to all cardholders (hereinafter referred to as the "Cardholders") of the CITIC Bank Marriott Bonvoy Co-brand Card (hereinafter referred to as the "Co-brand Card").

一、积分累积资格
（一）如持卡人出现以下情况，包括但不限于：违反《中信银行信用卡章程》、违反《中信银行信用卡（个人卡）领用合约》、信用卡过期、被停用、管制、持卡人自行注销卡片、对所欠信用卡或中信银行的其他债务不偿还、存有不良记录、交易异常等，中信银行有权采取包括但不限于取消持卡人积分累积资格的处理措施。
I. Eligibility for Earning Points
i. CITIC Bank reserves the right to take measures, including but not limited to cancelling the cardholder's eligibility for earning Points if the cardholder commits the following (including but not limited to): violation of the "Articles of Association of CITIC Bank Credit Card" and the "Credit Card (Personal Card) Acceptance Agreement of CITIC Bank", expiration/suspension/restriction of the card, cancellation of the card, failure to repay the credit card or other debts owed to CITIC Bank, or negative record or abnormal transactions.

（二）在持卡人累积和兑换积分的过程中，如通过非正常手段或者非个人交易等手段恶意套取积分，包括但不限于异常交易、虚假交易、作弊累积、恶意套现等，中信银行有权取消持卡人积分累积资格并采取冻结积分、撤销积分、冻结卡片使用、销卡等措施，而无须事先通知持卡人、说明理由或征得持卡人同意。为防范前述违约违规行为产生，持卡人需保留消费交易发票、购买凭证等材料，在中信银行要求时提供，用以查实交易真实性。
ii. In the event that the Cardholder, in the course of earning and redeeming Points, maliciously obtains Points through abnormal or non-personal transactions, including but not limited to abnormal transactions, fraudulent transactions, cheating, malicious cash out, etc., CITIC Bank reserves the right to cancel the Cardholder's eligibility for earning Points and take measures such as freezing the Points, revoking the Points, ceasing the use of the Card, canceling the Card, etc., without prior notice to the Cardholder, justification or obtaining the Cardholder's consent.
In order to prevent the aforementioned violations, Cardholders are required to retain invoices and proof of purchase for verification of the authenticity of the transactions upon request by CITIC Bank.

（三）若持卡人帐户因逾期、欺诈、法律诉讼、人行冻结、反洗钱等高风险行为导致被采取冻结、止付、注销等管控措施，或持卡人在出现疑似不正常交易但拒绝配合中信银行进行调查的，或持卡人存在任何违反《中信银行信用卡（个人卡）领用合约》约定行为的，中信银行保留采取进一步措施的权利，包括但不限于：不另行通知而取消持卡人积分累积资格及联名卡各项活动的参与资格、追回该持卡人已兑换的礼品、对该持卡人追究法律责任等。   
iii. If the Cardholder's account is frozen, suspended or cancelled due to overdue payment, frauds, legal suit, freezing by PBOC, anti-money laundering or other high-risk activities, or if the Cardholder refuses to cooperate with CITIC Bank in the investigation of suspected irregular transactions, or if the Cardholder is in breach of any of the provisions of the "CITIC Bank Credit Card (Personal Card) Acceptance Agreement", CITIC Bank reserves the right to take further measures, including but not limited to: canceling the Cardholder's eligibility to earn Points and participate in various activities of the Co-brand Card without prior notice, reclaiming the redeemed gifts of the Cardholder, pursuing legal responsibility against the Cardholder, etc.   

（四）在持卡人参与积分累积活动过程中，若持卡人使用第三方工具、第三方平台或任何其他违反公平原则的方式参与活动，一经发现，中信银行有权取消其参加该活动以及中信银行其他所有活动（包括但不限于抢兑活动、抽奖活动、交易达标赠送礼品等所有类型的活动）的资格，且保留向非法抢兑持卡人追究法律责任的权利。
iv. If a Cardholder uses a third party tool, third party platform or any other means that violates the principle of fairness to participate in the activities, CITIC Bank reserves the right to disqualify the Cardholder from participating in such activities and all other activities of CITIC Bank (including but not limited to redemption activities, lucky draws, gifts for qualified transactions), and reserves the right to hold the Cardholder legally responsible for any illegal redemption.

二、积分累积规则
（一）持卡人累积的积分将归集至持卡人卡片对应的持卡人会员账户，积分使用规则及有效期以万豪旅享家计划对外公布的积分规则为准。
（二）持联名卡消费，累积积分交易按照单笔入账金额逐笔换算累积，每笔交易金额不可合并计算；单笔累积积分交易金额换算后四舍五入进行积分累积。
II. Point Earning Rules
i. Points earned by the Cardholder will be collected and deposited to the Membership Account of the Cardholder, and the rules of Points use and validity shall be subject to the Points rules announced by the Marriott Bonvoy program.
ii. For spending by the Co-brand Card, Points earned from each single qualified transaction will be calculated separately instead of combining the transactions; the amount of Points from a single qualified transaction will be rounded up before the Points accumulation.

（三）积分累积比例
1. 联名卡各级别卡片积分累积比例（不含在万豪国际旗下酒店内的合格消费）详见下表：


卡级别

累积积分交易累积比例
（人民币交易）

白金卡

10元合格消费 : 1积分

精逸白金卡

10元合格消费 : 1积分

金卡

18元合格消费 : 1积分

 

2. 联名卡各级别卡片在万豪国际旗下酒店内的合格消费的积分累积比例详见下表：


卡级别

累积积分交易累积比例
（人民币交易）

白金卡

10元合格消费 : 3积分

精逸白金卡

10元合格消费 : 2积分

金卡

18元合格消费 : 2积分

 

iii. Point earning ratio
1. The Points earning ratio of Co-brand Cards at all levels (excluding the Eligible Purchases and Qualified Spending in Marriott International hotels) is shown in the following table:


Card Category

Spending-Points earning ratio (in RMB)

Premium Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

Gold Card

18 RMB of Eligible Purchases and Qualified Spending: 1 Marriott Bonvoy Point

2. The Points earning ratio of Co-brand Cards at all levels from the Eligible Purchases and Qualified Spending at hotels participating in Marriott Bonvoy is shown in the following table:


Card Category

Spending-Points earning ratio (in RMB)

Premium Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 3 Marriott Bonvoy Points

Platinum Card

10 RMB of Eligible Purchases and Qualified Spending: 2 Marriott Bonvoy Points

Gold Card

18 RMB of Eligible Purchases and Qualified Spending: 2 Marriott Bonvoy Points

（四）累积积分交易范围
持卡人在进行下述类型交易时可累积积分，除此之外的交易不累积积分：
iv. Transactions Eligible for Earning Points
Cardholders may earn Points with the following types of transactions, and will not earn Points in cases other than hereby specified:

序号

MCC

序号

MCC

序号

MCC

No.

MCC

No.

MCC

No.

MCC

1

7011

28

3015

55

5541

2

7012

29

3016

56

5542

3

3501

30

3020

57

4112

4

3503

31

3022

58

4784

5

3509

32

3026

59

4111

6

3512

33

3034

60

4121

7

3520

34

3037

61

4131

8

3530

35

3042

62

4782

9

3533

36

3051

63

3998

10

3545

37

3058

64

3366

11

3594

38

3061

65

3389

12

3638

39

3068

66

3399

13

3640

40

3072

67

4814

14

3641

41

3075

68

4899

15

3668

42

3077

69

4722

16

3722

43

3079

70

4733

17

3742

44

3082

71

4815

18

3750

45

3084

72

4011

19

5812

46

3099

73

4411

20

5813

47

3100

74

4582

21

4511

48

3110

75

5422

22

3001

49

3136

76

5441

23

3005

50

3144

77

5451

24

3007

51

3161

78

5462

25

3008

52

3294

79

5499

26

3009

53

3296

80

5814

27

3010

54

3298

81

5962

1. 线下累积积分交易类型
联名卡指定类别商户线下刷卡消费可累积积分，非指定商户类别线下刷卡交易不可累积积分。线下可累积积分的商户类别码详见下表：
（1）所列商户类别码（MCC），以中国银联最新相关规范为准，并可能随新增或调整；
（2）商户类别以商户POS机设定的商户类别码为准，详情请咨询特约商户及收单机构；因商户或收单机构未按照中国银联规定设置机具或未正确设置商户类别代码，导致不应给予积分的交易累积了无效积分，中信银行有权撤销该部分积分；非因中信银行原因致积分漏计、错计的，中信银行不承担相关责任；
（3）如因收单行或商户错误使用商户类别码而影响积分累积的，中信银行不承担相关责任。
1. Offline Transactions Eligible for Earning Points
The Co-brand Card is eligible to earn Points for offline transactions with specified categories of merchants and will not earn Points for offline transactions with merchants thereby unspecified. The codes for merchant categories that are eligible for Points in offline transactions are listed in the following table:
(1) The Merchant Category Code (MCC) shall be aligned with the latest policy of China UnionPay and may be subject to addition or adjustment accordingly;
(2) Merchant categories shall be decided as per the MCC set for the merchants’ POS machines. For details, please consult with the POS merchants and the acquirers. CITIC Bank has the right to cancel the invalid Points earned for ineligible transactions due to incorrect setting of POS equipment or failure of setting MCC in accordance with the provisions of China Union Pay by the POS merchants or the acquirers. CITIC Bank shall not be liable for any missing and miscalculation of Points that is not caused by CITIC Bank.
(3) CITIC Bank shall not be liable for any disorder of Points earning due to the incorrect use of MCC by the acquirers or merchants.

2. 线上累积积分交易类型
联名卡通过财付通、支付宝、美团支付、京东支付、小米支付、翼支付以及中信银行动卡空间交易（零钱包充值、消费金融还款、现金分期除外）可累积积分。具体可累积积分的线上渠道、累计方式及后续新增或调整以中信银行官网发布的公告最新版本为准。
2. Online Transactions Eligible for Earning Points
Co-brand Cards may earn Points for eligible transactions through Tenpay, Alipay, Meituan, JD Pay, Mi Pay,  Best Pay and CITIC Bank APP (except for Change Wallet Recharge, Repayment of Consumer Finance and Cash Installments). Regarding the online channels, ways of earning Points and subsequent addition or adjustments, the latest announcement posted by CITIC bank on official website of https://creditcard.ecitic.com/ shall prevail.

3. 以下各类交易不予累积积分，中信银行保留根据政策要求及市场经营情况调整下述不累积积分交易范围的权利：
（1）信用卡年费、手续费、循环利息、违约金、其他信用卡收费等；
（2）通过代扣、代缴方式支付相关费用；
（3）现金分期交易；
（4）商场分期交易；
（5）除特别约定外的网络交易；
（6）取现交易；
（7）包括但不限于房产汽车类、批发类、医院类、学校类、政府类、慈善类、金融类以及社会服务和居民服务等非盈利性行业的商户交易；
（8）零回佣、低回佣以及特殊计费类商户交易；
3. CITIC Bank reserves the right to adjust the scope of transactions ineligible for Points earning hereby specified according to policy regulations and market operation conditions:
(1) Credit card annual fee, handling fee, revolving interest, penalty, other charges, etc.;
(2) Payment of related fees by way of withholding or remitting；
(3) Cash installment transactions;
(4) Shopping mall/market installment transactions;
(5) Online transactions except for those specified;
(6) Cash withdrawal;
(7) Transactions of merchants in non-profit sectors, including but not limited to real estate, automobile, wholesale, hospital, school, government, charity, finance, social service, resident service and others;
(8) Transactions with zero return commission, low return commission and special billing merchants;

（五） 信用卡只限于持卡人及其附属卡持卡人进行购买商品、接受服务等消费或信用卡现金提取。持卡人不得利用中信银行信用卡进行虚假交易等欺诈活动套取银行信贷资金、积分、奖品或增值服务，否则中信银行有权撤销该部分积分、强制更换卡片或重置密码、降低或取消信用额度、限制用卡、要求提前偿还全部应还款项等措施。具体请参考《中信银行信用卡（个人卡）领用合约》。
vi. Credit cards are limited to purchases of goods, services or cash withdrawals by the Cardholder and supplementary cardholders. Cardholders may not use their CITIC Bank credit cards to obtain credit funds, Points, prizes or value-added services through fraudulent activities such as fraudulent transactions, otherwise CITIC Bank reserves the right to revoke the Points, force a card replacement or password reset, reduce or cancel the credit limit, restrict the use of the card, or require early repayment of the entire amount due. Please refer to the "CITIC Bank Credit Card (Personal Card) Acceptance Agreement" for details.
（七）若持卡人因任何理由发生商品或服务退还（如发生退货等）而退还累积积分交易款项时，中信银行有权根据其取消的交易款项金额扣除持卡人已累积的积分。如在扣除相应积分前，持卡人已将积分兑换导致中信银行无足够积分余额可供扣除，中信银行有权向持卡人追回已兑换的积分，并有权将已兑换的积分按对应之市场公允价格的同等现金金额作为持卡人应还款项记入其账户。当持卡人未清偿时，不予销户。此外，中信银行亦保留对持卡人追究法律责任的权利。
vii.  When the return and refund of goods or services (e.g., refund of goods, etc.) results in the returning the earned the Points, CITIC Bank reserves the right to deduct the Points earned by the Cardholder according to the amount of the cancelled transaction. If the Cardholder has already redeemed the Points before deducting the corresponding Points and CITIC Bank does not have sufficient Points balance for deduction, CITIC Bank reserves the right to reclaim the redeemed Points from the Cardholder and credit the redeemed Points to the Cardholder's account in the same cash amount as the corresponding fair market price. The account will not be cancelled when the Cardholder fails to settle the balance. In addition, CITIC Bank reserves the right to pursue legal liability against the Cardholder.
（八） 除特殊情况外, 联名卡的线上线下交易积分到账时间一般3周内，积分会自动存入您的万豪旅享家会员账户，具体以实际到账为准。
viii. Except in special circumstances, the Points earned from online and offline transactions of the Co-brand Card will be automatically credited to your Marriott Bonvoy Membership Account within 3 weeks.
（九）联名卡交易累积积分情况查询可拨打中信银行客服电话4008895558或者登陆合作方（万豪旅享家）会员账户查询。
ix. For inquiries on the Points earned from Co-brand Card transactions, please call CITIC Bank Customer Service at 4008895558 or visit the partner's (Marriott Bonvoy) Membership Account.

三、其他注意事项
1、中信银行与联名卡合作方为各自独立存在的、合法的、平等的法律责任主体，对各自的义务、债务和开支负责，双方之间不存在任何形式的委托、代理、联营、合伙等法律关系。双方互不承担连带责任。
2、持卡人积分的兑换及使用须遵守万豪旅享家相关条款及细则之规定。中信银行不负责就万豪旅享家规则的任何变动进行通知，对于持卡人使用万豪旅享家积分、参与万豪旅享家提供的活动或服务以及由此产生的或与此有关的任何争议或纠纷不承担任何责任。
3、在法律范围内，中信银行有权根据政策要求及市场经营情况修改或取消本规则并保留最终解释权。本积分规则未尽事宜，仍受相关领用合约及其他中信银行相关文件的约束。

III. Other Notes
1. CITIC Bank and the Co-brand Card partners are independent, legal and legally equal entities, responsible for their respective obligations, debts and expenses. There is no legal relationship of commission, agency, joint venture or partnership of any kind between the two parties. Both parties shall not be jointly and severally liable for each other.
2. Redemption and use of Cardholders' Points are subject to the relevant terms and conditions of Marriott Bonvoy. CITIC Bank shall not be responsible for notifying any changes to Marriott Bonvoy’s program terms and conditions and shall not be liable for any dispute or controversy arising from or in connection with the use of the Marriott Bonvoy Points, participation in activities or services provided by Marriott Bonvoy.
四、收费标准  Rates and Fees Price List
中信银行万豪旅享家®联名卡遵从中信银行信用卡中心的各项收费标准，详见https://creditcard.ecitic.com/heyue/fuwujiamu.html.
The interest rate, fees, penalties, other rates and fees of CITIC Marriott Bonvoy® Co-brand Card follow the consistent standard for all credit cards products of CITIC Bank Credit Card Center. Please check the price list at https://creditcard.ecitic.com/heyue/fuwujiamu.html .