Credit card points can be described as additional benefits for cardholders. The following is a comparison of the current credit card point redemptions of mainstream banks to see how to use points in a cost-effective manner?
1. China Merchants Bank
Points rules: Every 20 yuan spent = 1 point, the amount less than 20 yuan will not be counted
Classic Platinum Card, Centurion Card For high-end cards, 1,500 points = 2,000 miles, or 1 point is about 0.12 yuan
For ordinary cards, 799 points = 1 medium cup of Starbucks, or 1 point is about 0.04 yuan.
2. Bank of China
Platinum card points are valid forever, ordinary cards are generally valid for 2 years
15,000 points = 500 miles, that is, 1 point is about 0.003 yuan< /p>
3. Agricultural Bank of China
20,000 points = 1,000 miles, that is, 1 point is approximately 0.0045 yuan
Points accumulated before December 31, 2016 will expire in January 2022 Expires on March 31st. Points accumulated after 2017 will expire on January 31 of the fifth year after the year the points were generated.
4. Industrial and Commercial Bank of China
50,000 points = 100 yuan phone bill/gas coupon, that is, 1 point is about 0.002 yuan.
Points are valid for up to 5 years.
5. China Construction Bank
Sinopec gas card, 25,000 points = 100 yuan gas card, that is, 1 point is about 0.004 yuan
Longka car card, 18,000 points =1 large cup of Starbucks, that is, 1 point is about 0.0018 yuan
For other ordinary cards, 54,000 points = 100 yuan for gas cards, that is, 1 point is about 0.0018 yuan
6. Bank of Communications
Bai Qilin Card, 9,000 points = 500 miles, that is, 1 point is about 0.005 yuan.
For other cards, it is most suitable to exchange for phone calls, and 1 point is about 0.0015 yuan.
7. Ping An Bank
1,500 points = 30 miles, that is, 1 point is about 0.0018 yuan.
17,500 points = 1 large cup of Starbucks, that is, 1 point is approximately 0.002 yuan.
8. Industrial Bank
12,500 points = 500 miles, that is, 1 point is about 0.0045 yuan.
The points validity period is consistent with the card validity period.
9. CITIC Bank
Platinum card with no annual fee (i Platinum card, points can be redeemed for annual fee), 25,000 points = 500 miles, that is, 1 point is about 0.0018 yuan.
For annual fee platinum cards (rigid annual fees such as Easy Card), 12,500 points = 500 miles, that is, 1 point is about 0.0045 yuan.
The above are currently the major bank’s credit cards with the most redeemable items and points maximizing value. Are there any credit cards you are using here?
Friends, what do you exchange your usual credit card points for?