120,000 points with Bank of China credit card can be exchanged for 240 yuan. According to relevant public information, 100,000 Bank of China credit card points are equivalent to 200, 200÷10,000=0.02, 0.02×12,000=240, and 120,000 points can be exchanged for 240 yuan. Redemption method for CITIC Bank credit card points:

1. Customer service hotline: Cardholders can call the CITIC Bank credit card hotline 40088-95558 to be transferred to manual service and provide the staff with their card number and ID number. Apply to redeem gifts.

2. Branch counter: Cardholders can bring their credit card and ID card to a CITIC Bank branch to apply for redeeming points accumulated by the card. There is a redemption point form. After filling it out, hand it to the staff and the points will be redeemed within a week. Gifts can be sent within.

3. Online banking: Cardholders can log in to the official website of China CITIC Bank Credit Card, find the points discount column, then select the points plan, select the points mall, fill in the card number and ID number and log in, then you can redeem online.