The main functions are different, the processing conditions and difficulty are different, the consumption and cash withdrawal methods and fees are different, etc.

1. Different main functions: Credit card is a non-cash transaction payment method. It is a credit card and has the function of overdraft consumption. Banks grant cardholders a certain credit limit based on their personal credit status, and cardholders can consume first and repay later. Credit cards also have a points function, and the points accumulated through consumption can be redeemed for goods in the points mall. The main function of a savings card is savings deposits, and expenses incurred through the card are equal to the reduction in the balance of the savings account. When the account balance reaches zero, the payment function of the debit card also drops to zero. Debit cards do not have overdraft and points functions.

2. Application conditions and difficulty levels are different: Applying for a credit card is more complicated. Applicants need to meet certain conditions and submit relevant information. The bank will review and approve the application. The application can only be processed after the approval is passed. Applying for a debit card is relatively simple and does not require bank approval. Generally, it can be applied and withdrawn immediately.

3. The methods and fees for consumption and cash withdrawal are different: you can choose to pay without a password when using a credit card, but you need to enter a payment password when paying with a debit card. There is no need to pay interest for overdraft consumption with a credit card before the agreed repayment date, but if you choose to withdraw cash, there will be a certain handling fee. When using a debit card, the payment amount is directly deducted from the account balance, and there is usually no handling fee when withdrawing cash.