1 can be exchanged by phone. Users need to call the official customer service hotline of the bank, follow the voice prompts to enter the points redemption service, and then inform the staff of the number of items to be redeemed before going through the relevant redemption procedures. When conducting telephone exchange, it is generally necessary for users to clearly understand the exchanged goods in advance.

Go through the redemption procedures through mobile banking or online banking, directly enter the integral mall page, and choose the goods to be redeemed according to your own points.

Users can also go directly to the counter of bank outlets to redeem points for gifts.

Under normal circumstances, there are two forms to redeem bank points for gifts. One is full point redemption, which only needs points to redeem gifts. Usually, this form of redemption requires more points. On the other hand, it is exchanged in the form of points plus cash. You only need to have a certain amount of points, and then pay a certain amount in exchange for the gift you want at a price lower than the market price. When points are exchanged for gifts, they can only be exchanged for gifts displayed by integral mall.

In addition, bank points can often be divided into credit card points and debit card points, and the goods exchanged for different points are generally different.