1. Redeem gifts in integral mall:

Cardholders can log in to integral mall CITIC Bank official website (/neshoppc/index.html), follow the prompts to log in to their personal account, then select the appropriate gift, click to enter the gift details page, click "Redeem Now", and then pay with points.

2. Redeem credit cards:

The consumption points generated after using the credit card can be exchanged for credit card payment at CITIC Bank official website. The specific steps are as follows: log in to the personal credit card online banking account and exchange according to the tips in credit card management.

3. Redeem air miles:

Cardholders can use credit cards to buy airline tickets in official website, Air China, China Southern Airlines and other airlines, and then exchange points for some air miles.

4. Deduction of annual fee:

Generally, ordinary cards and gold cards of CITIC Bank cannot deduct the annual fee with points, while platinum cards can deduct the annual fee with points. The main platinum card can deduct the annual fee of the current year with 450,000 points, and the auxiliary card can deduct the annual fee of the current year with 220,000 points.