400,000. Because the points calculation rule for China Merchants Bank credit cards is that you can get 1 point for every RMB 20 transaction using a China Merchants Bank credit card, so 20,000 points equals RMB 400,000. China Merchants Bank's Credit Card Customer Service Center was named "China's Best Call Center of the Year" as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference, and is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized integrated and professional credit card services.