The two have different functions, different application methods, different usage methods, and different fees. 1. Different functions: a credit card is a payment tool that provides a credit limit. The cardholder can consume within the credit limit and then repay, and has functions such as installment payment and point rewards; while a savings card is a payment tool used for savings and With the bank card for withdrawing money, the cardholder can deposit funds into the debit card and make withdrawals and purchases through the debit card.

2. The application methods are different: the application for a credit card needs to be approved by the bank, and the credit limit can be obtained only after approval; the application for a debit card is relatively simple, and only requires proof of identity and a certain amount of deposit.

3. Different ways of use: credit cards can be used at merchants and ATMs around the world, and cardholders can use credit cards for consumption and withdrawals; debit cards can only be used at ATMs of the issuing bank and at ATMs. Used at merchants that cooperate with card-issuing banks.

4. Different fees: Credit cards will charge annual fees, cash withdrawal fees, overdue interest and other fees; debit cards will not charge annual fees and cash withdrawal fees, but will charge account management fees and other fees.