20,000 yuan. According to the official website of Hua Xia Bank, Hua Xia Bank's credit card points accumulation rules are effective on the day after the Hua Xia Bank Credit Card Center's accounting date. Hua Xia Bank's credit card consumption transactions will earn 1 point for every RMB 1 spent, and 7 points for every USD 1 spent. So 20,000 points will cost you 20,000 yuan.