Xiaomi Credit Card has the exclusive right to give away 5 times extra points when spending through Mi Pay/ Xiaomi Wallet, so if you are a Xiaomi mobile phone user, it is recommended to bind Mi Pay and Xiaomi Wallet for quick payment. In daily use, you can use Xiaomi Credit Card for Mi Pay consumption, such as swiping the card offline and paying with Xiaomi Wallet, such as recharging phone bills and paying water, electricity and coal fees, which can quickly accumulate points and be more cost-effective.