After the credit card points of Minsheng Bank have accumulated to a certain amount, the host card holder can exchange the general points in his name (that is, the points can be exchanged) for points gifts in integral mall. After the redemption is successful, the corresponding points will be deducted from the cardholder's points in real time. Minsheng Credit Card Points can be used to redeem gifts in integral mall. Convertible items include digital products, leisure and entertainment, household appliances, beauty cosmetics, watch accessories, home life and so on. It can also be used to deduct cash when swiping a card.