You can either pay with points, cash or a combination of both. You need at least one DVC person per stateroom on points to get the $150 onboard credit. Someone please correct me if I am wrong. We got 2 rooms to accomodate 2 adults and 3 kids. Since I did that I had to pay for 4 adults and 1 child. I paid for 1 adult in each room with points and the child with points and paid the other 2 adults with the discounted cash price. This was cheaper than getting the family suite. Plus, I don't think any were available. Also by getting 2 cabins we get $300 onboard credit. Hope this helps.