Approximately equal to 839.3 yuan. The interest rate for Bank of China's credit card of 10,000 points in 12 installments is 0.72%. 10,000 multiplied by 0.72% equals 72 yuan. 720 yuan plus 10,000 yuan equals 10,072 yuan. 10,072 divided by 12 equals approximately 839.3 yuan. Therefore, the credit card with 10,000 points in 12 installments is monthly. Return 839.3 yuan.