1, with different concepts: ordinary credit cards refer to credit cards with a single settlement currency, which can only be settled in one currency, such as UnionPay cards, which can only be settled in RMB, and multi-currency cards refer to credit cards with multiple settlement currencies, which can be settled in multiple currencies, such as China Merchants Bank's all-currency cards, which can be settled in multiple currencies.

2. Different scope of application: multi-currency is mainly applicable to foreign countries, and ordinary credit cards, especially UnionPay cards, are mainly applicable to China.