As we all know, most banks score points according to the ratio of RMB consumption 1: 1 and USD consumption 1:7, which is subject to the credit card scoring rules of the issuing bank. Cardholders will get certain points after spending money with credit cards at designated merchants in banks. When the points reach a certain amount, the cardholder can convert the points into various favorite gift cards at the issuing bank in integral mall.
The following is an introduction:
Statistics show that it takes ICBC 365 yuan, Minsheng 402 yuan, Bank of China 472 yuan, Guangfa 478 yuan, Ping An 504 yuan, Bank of Communications 534 yuan, China Merchants Bank 550 yuan, China Construction Bank 630 yuan, postal savings 638 yuan, Agricultural Bank of China 7 1 2 yuan, Huaxia 799 yuan to convert the value of exchanged goods into equivalent products.
Since credit card points are generally used to exchange gifts, it is very important which bank can provide a variety of gifts to choose from. It is understood that if the value of high-end goods is set at more than 4,000 yuan, except for five state-owned banks such as ICBC, Bank of China, Agricultural Bank of China, China Construction Bank and Bank of Communications, there is basically no exchange of high-end goods in joint-stock banks.
According to the above introduction, it can be seen that ICBC's credit card points exchange is the most cost-effective.