Different banks have different credit card points policies, and the gifts with convertible points are also different. It's hard to judge which is better. The following are the credit card points rules of several commonly used banks:

1, consumption points:

China Merchants Bank credit card consumption 20 yuan points;

China Bank, China CITIC Bank, Industrial Bank, Shanghai Pudong Development Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications, China Guangfa Bank and China Everbright Bank can get 1 yuan 1 minute.

2. Cash withdrawal point:

China Bank, China CITIC Bank, China Merchants Bank, Industrial Bank and Shanghai Pudong Development Bank take existing points;

Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Guangfa Bank and China Everbright Bank have no points for cash withdrawal.

3. Period of validity of integral:

Credit card points of ICBC and BOC series are valid for 2 years;

The validity period of some credit card points of Bank of Communications and China CITIC Bank is the shortest 1 year and the longest is 2 years;

Credit card points of Shanghai Pudong Development Bank, China Everbright Bank, China Merchants Bank, Industrial Agricultural Bank and China Construction Bank are valid for 2 to 5 years;

The validity period of credit card points of Guangfa Bank is consistent with the validity period of the card.