> For the complete documentation index, see [llms.txt](https://help.thedecard.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.thedecard.com/decard-luminaries/xiao-fei-fan-xian-huo-dong.md).

# 消费返现活动

**Q1: 返现是如何计算的？** \
使用 DeCard Luminaries 消费越多，返现比例越高，最高可达 10%，每月上限为 200美元^。每季度成为顶尖消费用户，解锁神秘好礼！返现按月累计消费金额计算，具体按照分级标准执行。

| 每月消费累计 (MCS)           | 返现比例  |
| ---------------------- | ----- |
| < 2000 USD             | 2.0%  |
| 2000 <= MCS <=5000 USD | 3.0%  |
| MCS > 5000 USD         | 10.0% |

举例:

| **月消费**  | 返现金额                                                                                |
| -------- | ----------------------------------------------------------------------------------- |
| US$2,500 | (US$2,000 x 2%) + (US$500 x 3%) = **US$55**                                         |
| US$8,000 | (US$2,000 x 2%) + (US$3,000 x 3%) + (US$3,000 x 10%), capped at US$200 = **US$200** |

^由于 DeCard Luminaries 卡以新加坡元计价，所有费用将以新加坡元收取。因此，最终入账金额可能会因 DCS 在入账时适用的汇率不同而有所差异。

**Q2: 什么时候可以收到返现金额？** \
符合条件的交易将按自然月计算，即从每月的第一天到该月的最后一天。返现将在每个自然月结束时计算，并于次月 10 日存入您的账户。

\
**Q3: 如果发生退款怎么办？** \
如您退货或收到退款，该笔交易对应的返现将被扣除。可退回的返现金额按退款金额的 2% 计算，具体以[条款与细则](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf)为准。

\
**Q4: 哪些交易符合返现条件？** \
交易是否符合返现条件以卡片条款与细则为准。请参考最新的[条款与细则](https://static.dcscc.com/cms/250209_De_Card_and_Luminaries_and_Privileges_Terms_and_Conditions_Final_851cfb31b0.pdf)获取完整说明。

\
**Q5: 返现活动会持续多久？** \
返现活动的具体细则将按季度进行评估与更新，DCS 保留随时调整的权利。


---

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