What are the benefits of credit card points? How to play credit card


Credit cards are increasingly becoming an integral part of people's daily lives. For many cardholders, credit card points are also a small fortune. Let's learn a few small tricks that will allow you to fully “squeeze” the value of your credit card during the daily credit card consumption process.


How to use credit card points to get more discounts?

There are always some great gods in the credit card industry who are keen to explore. They have played with credit cards and got a lot of discounts from credit cards. The same is a credit card, why is there such a big difference in your hands and in their hands? Below, Xiaobian will talk to you about the magical use of credit card points.

1. Points are for annual fee

For some credit cards that require an annual fee, the annual fee is the best option. For example, the classic white of China Merchants Bank, the annual fee needs 3,600 yuan, and 10,000 points offset the annual fee.

2. Participation in activities

Secondly, it is also a good choice to participate in some bank's points activities, such as the well-known CITIC 9 points. However, such activities are often limited in time and the threshold is high, not all users can participate.

3, points against airline mileage

In addition to the above two uses. Points are also a good choice for airline miles.

Airline mileage may be unfamiliar to non-business travellers. In fact, it can be understood that airline miles are airline points, which can be used to redeem free tickets for the airline. That is to say, credit card points can be exchanged for free tickets.

4, small points hit the big move

Many bank credit card centers have launched the points sweepstakes. For example, China Merchants Bank credit card, 9 points can participate in the extraction of the iPad Mini, although the probability of winning is not large, but in case of, the 9 points can be too expensive!

Credit card points are worthwhile, but there are many redemption requirements. There are not only mileage requirements, but also exchange fees, and there are fewer options for redeemable tickets, so it is not necessarily practical for non-business travelers.

Credit card points can be mortgaged? How to earn more points?

In order to seize the consumption, each bank can continue to increase revenue for the Bank, and it has launched a lot of preferential advertising campaigns. Points and gifts Every bank has such an activity. Today, Xiaobian teaches you how to use credit card points to bring you unexpected surprises and gains!

1, skillfully use the discount to earn points

To take advantage of credit card points, you must first learn to earn points. You can use your friends to have a cash card when you are shopping. If you have an AA system, you can also grab a card and let everyone give you cash. On important holidays, especially with the advent of Christmas, New Year's Day and other festivals, banks often offer promotions such as “point gift” and “swipe card draw”.

For credit card scores, this is a good time for big points. Don't buy something that is useless for your points. Credit card points are just a bonus on your credit card. You can't take it with your nose. Otherwise, you won't be paid for.

2, points can be mortgaged

Banks have a lot of products that can ease the pressure on lenders. If you use them well, you can save some expenses. The products related to credit cards are the consumption points that can be used to pay back the mortgage. This method is different from the point redemption, but is directly exchanged for cash.

If your credit card has the function of crediting against the mortgage, you must make full use of this card to earn points. You can also apply for multiple supplementary cards for parents or siblings. The main card and the affiliate card can accumulate points together, and the points can be earned. On a card. This way you can mobilize all the power and make the most of this card's points to ease the pressure on repayment.

Can credit card points be redeemed for merchandise and which banks can redeem merchandise?

Can credit card points be redeemed for merchandise? Xiaobian can make a classification and summary of the items that can be exchanged for each bank's points. Let's take a look at the following.

1. Minsheng Bank Credit Card

1 points to Starbucks: Hold the people's livelihood in the card, happy card in each natural week, spend 399 yuan or equivalent foreign currency, you can apply for a "1 point to exchange Starbucks privilege." With this privilege, you can get 1 Starbucks Coffee Coupon by paying 1 point.

2. Agricultural Bank Credit Card

Activity 1: For three consecutive months (including the current month), the monthly credit card, and the cumulative effective consumption of 15,000 yuan, you can participate in the next month after the ABC Global Business Travel Card is up to 6 points to grab the high-end hotel for two days and one night. rights and interests

Activity 2: If the cash instalment amount reaches more than 10,000 yuan in the current month, you can participate in the next month's 6 points to grab the two-day and one-night accommodation rights of the high-end hotel.

3. CITIC Bank Credit Card

Value-for-money gift 9 share exchange: monthly in the designated type of merchants, spending a single card over 299 yuan, 3 pens won 1 equity; 6 pens won 2 rights; 9 pens won 3 times. If you meet the conditions, you can get 9 share benefits, which can be exchanged for Starbucks coffee, Haagen-Dazs ice cream and other great deals.

4, Huaxia Bank Credit Card

88 points to Starbucks: 4 points per month to exchange Starbucks store manual brewed large drinks. You can enjoy 88 points for a drink, and you can enjoy 8888 points for a drink after three times.

5. China Merchants Bank Credit Card

9 points + 9 yuan redemption member: For example, convert Tencent video VIP member 21 days card; Mango TVVIP member monthly card; Youku potato VIP gold month card; iQiyi VIP silver season card, etc., please log in to China Merchants Bank "Handheld Life App" ".

6. Bank of Communications Credit Card

400 points = 1 yuan: Bank of Communications credit card can be redeemed for points at a designated brand store. Participating brands: DQ, 85C, the whole family, Yizhiduo, KFC, Starbucks.

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