How is it best to redeem Agricultural Bank of China points?

Earned some Agricultural Bank of China points for the first time.
I took a look.
Agricultural Bank’s Xiao Dou points can be exchanged for JD.com gift cards, ranging from 2 yuan to 500 yuan.
I did a quick calculation and found that surprisingly, the 500-yuan card isn’t more cost-effective than the 200-yuan one.
Strange, why is it designed this way?

What do you think is the best way to redeem your Agricultural Bank points?

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