1. Convertible physical gifts

Credit card points can be exchanged for physical gifts in credit card malls of major banks, including household appliances, daily necessities, digital products and so on. Cardholders can log on to the official website of the issuing bank to find out what gifts can be redeemed and how many points they need, and redeem them according to their own needs and points.

2. Convertible air miles

Some airline co-branded cards, platinum cards and business travel cards can use credit card points to redeem air miles, or directly accumulate air miles when spending by credit card. Air miles can be exchanged for free air tickets, saving cardholders a sum of money for travel.

3. Convertible credit card funds

Credit card points of some banks can be directly used as money in cooperative merchants and exchanged for corresponding credit card funds.

4. Redeem value-added goods

In addition to regular redemption, some card-issuing banks will also launch credit card points redemption activities, and a small amount of points can be redeemed for value-added goods of cooperative merchants.