1. Annual fee. The former requires an annual fee if the credit card is not up to standard, while the latter is unconditionally exempt from the annual fee during the validity period;

2. Currency exchange fee. The former charges a 1.5 foreign currency exchange fee for consumption of non-USD foreign currencies, while the latter does not;

3. Cooperative credit card organizations. The former is UnionPay plus an overseas credit card organization, and the latter is a MasterCard single currency card.