The monthly repayment amount of 120,000 points for 36 installments of this card depends on the handling fee and interest rate of the card-issuing bank.

The handling fees and interest rates for the monthly repayment amount of 120,000 points for 36 installments on a credit card will vary from bank to bank.

Take China Merchants Bank as an example. If 120,000 yuan is repaid in 36 installments, the monthly repayment is about 3,333.33 yuan. The total interest is 1,149.72 yuan. The total handling fee is 840 yuan. The actual total repayment amount is 129,840 yuan.