In other words, you can swipe your card at merchants with points, or you can save points through Alipay, WeChat and various pay express payments. Different banks have different points rules, so the money to be brushed for this is definitely different.

Most banks accumulate points according to the ratio of 1: 1, and it takes 200,000 yuan to save 200,000 points. However, if the credit card ratio of China Merchants Bank is 20: 1, it will cost 400,000 to deposit 200,000 points. It is estimated that only brothers with deep pockets will use China Merchants Bank credit card to save points.