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What is the difference between ICBC Express Card and ordinary credit cards?

ICBC’s Speed ??Card is a debit card, not a credit card.

The ICBC Peony Speed ??Pass Card is a debit card with both a bank magnetic stripe and a Speed ??Pass chip. This card integrates the Speed ??Pass stored value card and the Peony Money Link Card of ICBC Beijing Branch. It has both the features of ICBC The financial function of the UnionPay standard debit magnetic stripe card of Beijing Branch also has the function of a SpeedTong stored-value card for paying highway tolls.