1. Pay the annual fee. No credit card has an annual fee, some platinum cards have higher annual fees, and some banks have also introduced points to exchange annual fees, which will save many years.
2. Exchange gifts. Open the points official website, and use credit card points to exchange corresponding goods and gifts in the bank integral mall, saving some consumption expenses in life.
3. Redeem air miles. This model is more suitable for business people who travel frequently. You can redeem mileage for free by credit card, and the most expensive machine is free. At present, all major banks have airline co-branded cards, which can be directly used to accumulate mileage, and credit card points can also be exchanged for airline mileage.
4. Cash payment. Although money is missing, it is not. When spending by credit card, you can use part of the points to exchange for credit card payment, and directly deduct the cash used. Just say that all the offers are not as affordable as real money!
There are also some special places, such as Ping An Bank's Ping An Ctrip Business Card, and the points are converted into Ctrip member points, which are both Ping An Bank credit card and Ctrip VIP membership card. All travel expenses and daily credit cards can be converted into Ctrip points.