These two credit cards are products for different cardholders, and there are differences in their rights and interests, as follows:

1. Owner Card is a credit card issued by ICBC for car owners. It is divided into three grades: platinum card, gold card and ordinary card. They all charge an annual fee, enjoy repayment tolerance and avoid foreign exchange handling fees.

2. Puka is a credit card issued by Industrial and Commercial Bank of China, which is limited to RMB credit cards used in China. It has the functions of credit consumption, transfer settlement and cash deposit and withdrawal. According to different card issuers, it is divided into business cards and personal cards, and according to different credit ratings, it is divided into gold cards and ordinary cards.