SRCB(SH:601825) Jin Tou Wang·2025-11-06 03:23Core Points - Shanghai Rural Commercial Bank announced changes to its credit card reward program, specifically the "Happy Beans" system, effective December 21, 2025, due to business adjustments [1] - The new rules stipulate that "Happy Beans" will only be awarded for qualifying online transactions through specified channels, rather than for all credit card installment payments [1] Summary by Sections Changes to Reward Program - The "Happy Beans" will now be earned only through online transactions that meet specific criteria, rather than through all credit card usage [1] - Customers can earn 100 "Happy Beans" for every 1,000 yuan spent on eligible online platforms such as Alipay, Cloud Flash Payment, and others, with the beans credited the next day after the transaction [2] Eligible and Ineligible Transactions - Eligible transactions must be made through UnionPay designated merchant categories, excluding certain sectors like real estate, fuel, and public service payments [2] - An example illustrates that a customer spending 4,150 yuan on Alipay and 1,920 yuan on Cloud Flash Payment would earn a total of 500 "Happy Beans" from those transactions, while a 5,000 yuan offline purchase would not qualify [2]