First, choose a good card to increase points. With the continuous development of Internet finance, the proportion of online consumption is increasing. In the past, most netizens paid more attention to the integral activities of credit card offline transactions. In fact, choosing the right credit card can also have unexpected gains online. For example, Taobao Xinka, launched by a bank, can quickly pay for shopping through Alipay online, and can also get credit card points rewards. Spend RMB 1 yuan 1 credit card points, and online and offline consumption points can be combined into one.

Second, online use is more cost-effective. Credit card points can be directly used as money online. For example, you can use a Taobao Xin card mentioned above to pay through Alipay's fast payment function, and you can make online consumption without opening online banking, and you can pay for water, electricity and gas. And the points can be converted into Taobao "Jifenbao" points, and Taobao shopping can directly deduct cash. 500 credit card points = 100 Alipay Jifenbao = 1 RMB, and the maximum amount of a single payment can be exchanged for 50 yuan. Overall, it is quite cost-effective.

It is very convenient to use points online, and you can also go to the special merchants of credit cards to exchange gifts and so on.