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 can be exchanged for JD.com gift cards, ranging from 2 yuan to 500 yuan.
I casually did some calculations and found that the 500 yuan option isn’t as suitable as the 200 yuan one.
Strange why it’s designed this way.

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

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