There is a hint in the link of China Mobile SMS that the phone bill points can be converted into RMB and charged into the bank card. Is it true?/You don't say.

This is fake. At present, China Mobile's points can only be exchanged for gifts such as telephone bills, not cash. You're talking about a short message from a liar who impersonates 10086. If you click the link here, there will be hidden dangers in your financial security and mobile phone security. Your mobile phone bill and the money in your bank card may be stolen or consumed by scammers at any time.

I hope my answer can help you. I hope it can be adopted. Thank you.