1. Issue target: ICBC official card is aimed at staff of budget units such as public institutions and state-owned enterprises; Credit cards are aimed at a wider group of individuals, including employees of private enterprises, freelancers and students, and individuals can apply independently.
2. Purpose of use: ICBC business cards are mainly used for official expenses, such as travel expenses, office supplies procurement, conference fees, etc. And their consumption needs should be combined with the financial reimbursement process of the unit; Credit cards are mainly used for personal consumption, such as daily shopping, catering, entertainment and travel.