Points from the Bank of Communications Walmart Credit Card (debit card) can only be used to redeem special credit card (credit card) funds, which can be used at designated Walmart physical stores. When using a credit card (debit card), deductions are run. Through the Bank of Communications app payment bar and the official website of the Bank of Communications, you can apply for points redemption for credit card (debit card) payments. The points redemption ratio is as follows:

1. 0-2999 points: no redemption;

2. 3000-6000 points: the redemption ratio is 0.25;

3. 6001-10000 points: the redemption ratio is 0.5;

4. 10,001 points or more (inclusive): the exchange ratio is 1.