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Does the Ruixiang Platinum Card have to be online?

no.

As an online points product launched by Ruixiang Technology Group, Ruixiang Platinum Card aims to provide corporate customers with high-quality, highly tailored electronic points solutions for employee benefits.

It can be consumed not only online, but also in physical stores of offline partner merchants such as Auchan, RT-Mart, China Resources Vanguard, and Century Hualian.