If points are deducted in proportion, Citigroup is of course the first choice. First of all, Citibank Card has 5 times points in all catering businesses (from high-end hotels to fast food restaurants, bakeries and private restaurants), department stores, clothing stores and brand stores. Cosmetics stores get 3 times points for birthdays, 6 times points for weekends, 5 times points for weekends, and thousands of points for businesses. Generally speaking, a normal credit card spending 2,000 yuan can earn 6,500-12,000 points, with a maximum of 20,000 points (it happens that 2,000 yuan in your birthday month is spent on weekends, and both are in the above two types of merchants). In addition, Citi's basic score is 20 yuan bill consumption 10000 yuan. Sam, the whole family, 7- 1 1 convenience stores can all cash in points, and merchants such as Wanning, Wanda Cinema, Pizza Hut and Godwin can deduct points from their consumption. The lowest conversion rate is about 178. After deducting 1 yuan, the comprehensive feedback rate is generally 0.5-0.8%, but it is not difficult for you to do your homework 1.5%. I have calculated that in extreme cases, you can get a feedback of 1 yuan by swiping your card around 17.5 yuan. In addition to integral feedback, there is also a monthly gift feedback every 2-5 months. As long as the card meets the standard, you can get the gift of the corresponding grade. The feedback rate in recent periods is about 1.56-2.7%, which means that the feedback rate of these two normal rights and interests is about 2-4.2%. He also has a credit card feedback activity with a US dollar card. You can take a closer look. At present, no bank in China has a higher normal feedback rate than Citigroup, and then there are many preferential merchants in Citibank, but they are mainly concentrated in first-line merchants such as Beishangguang. Cities may be thin in other places, but you need to be mentally prepared to apply for Citibank cards. Alipay repayment is not supported. Except for counter repayment or Citibank debit card/deposit account transfer/binding repayment, repayment by other channels takes 1-3 working days, and there are few outlets.