It’s a pity that you have 660,000 points at Bank of Communications. You can recharge phone bills in the Pay Bar APP, but the usage is relatively small. For 100 phone bills, you can only use 3,300 points to deduct 5 yuan. You can also order takeout. This can be redeemed with full points. 200 points are 3 yuan. I have finished all my more than 200,000 points from Bank of Communications. Guangfa used to be able to exchange for spending amount, but that is no longer possible. Guangfa can also be exchanged for takeout, which is within 20 yuan. Full points deduction.
As for the card you mentioned that allows full points to be exchanged for commodities, I am also looking for it now. I used to have a card from China Construction Bank that could be exchanged for small commodities, but it was canceled later. Now I also use Bank of Communications and Guangfa. Wait for me If you find it, come back and answer the original poster
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CITIC Bank: Except for the consumption of canceling the annual fee, it will no longer be used. The points can’t buy anything. There is not even a serious points mall. Neither.
Ping An Bank: Highly recommended, it can display the converted cash value, and there are many things in the mall, and the categories are also complete, including rice, flour, grains, oils, food, electrical appliances and everything, and it only costs 1 yuan. Purchase with points.
Shanghai Pudong Development Bank: There are products that are pure points, and you can use some occasionally. The category is not very friendly and nothing practical.
Bank of Communications: What a pitfall. Most of the purchases in the points mall are made with cash. It’s ridiculous to recharge phone bills in RMB. Moreover, the points can only be used for a small amount, and most of the goods still have to be purchased with cash.
Guangfa Bank: Points can only be redeemed for phone bills in Guangdong. Points can be redeemed up to 50%. If it is not a necessity, it is not recommended to buy it. I have 120,000 points in my card and can’t buy anything. I’m speechless.
Baoshang Bank: There are products that can be redeemed purely with points. Although there are not many things, they look pretty good. Baoshang Bank has been taken over. How can we still do this? It’s a good conscience.
China Merchants Bank: This is my first credit card. The points often expire. I have never used the points but there are not many points on the account now. The product content is also limited. There are products that can be redeemed purely with points.
ICBC: The APP is too bad. Not only is the card often disconnected, but there are not many types of products. Products within 300 yuan can be used purely with points. I just exchanged a bag of rice for more than 300 yuan. Only 50% of the amount can be used.
China Everbright Bank: The categories are pretty good and can be redeemed purely with points.
Shanghai Bank: To apply for the Meituan co-branded card, you have to go to a bank to open the card. There are not many Shanghai banks in Beijing. Things in the points mall are quite expensive. A 5-pound bag of rice costs more than 60,000. The points I just redeemed at ICBC only cost over 30,000, and the hand sanitizer cost over 50,000, which is not really worth it. The APP is also very stuck. The current page will always crash.