1, different uses: credit card is a certain amount granted by the bank to this card, which can be used first and then repaid; A savings card is used to store funds and other businesses. You must save money before you can spend it. 2. Different application methods: savings cards can be opened with their valid identity documents, and credit cards generally need to fill in a credit card application form. 3. Different functions: The main function of the savings card is to store funds. Credit cards can handle all the functions of savings cards. The main function of credit card is to spend in advance and then settle accounts with relevant banking institutions.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.

The expenses incurred by the savings card through the card are equal to the decrease in the balance of the savings account. If the account balance is zero, the payment function of the card will also be reduced to zero. The application for a savings card is very simple, and you can get it right away without bank approval.