Users can use the points owned by Alipay members to exchange for the free amount of handling fees if they need to pay back their credit cards through Alipay. However, members of different grades can exchange their points at different rates. For example, for diamond members and platinum members, one point can be exchanged for 3 yuan quota, but for gold members, one point can only be exchanged for 1.5 yuan, and even less for mass members, only one point can be exchanged for one yuan.