The main differences between civil servant credit cards and ordinary credit cards are reflected in the following aspects:

First of all, functionally, civil servant cards are credit cards with consumer credit functions. Cardholders can Spend within the credit limit and repay later. Ordinary credit cards have no additional special functions and are mainly suitable for daily consumption.

Secondly, in terms of cardholder identity, civil servant cards are limited to budget unit staff and require identity confirmation from the unit before they can apply, while ordinary credit cards do not require specific identity verification.

In terms of discounts, the business card can not only be used for reimbursement of official expenses, but also has the function of personal consumption, and enjoys UnionPay global discounts. Ordinary credit cards are mainly used for consumption, and the scope of discounts is relatively limited.

In terms of credit limit, civil servant cards usually enjoy a higher limit, with a minimum of 10,000 yuan and a maximum of 100,000 yuan, while the limit of ordinary credit cards is determined according to the applicant's qualifications.

The annual fee policies are also different. Civil servant cards are free of annual fees for life, and some also provide free cash withdrawal fees in other places, while ordinary credit cards generally charge corresponding fees based on the amount of cash withdrawn.

Finally, business cards usually enjoy gold card-level treatment and provide more value-added services, while ordinary credit cards usually do not have such distinguished benefits.

The above differences are mainly due to the specific identity requirements and official purposes of official cards, which make them different in functions, benefits and services. Hopefully this information helps understand the differences between the two.