There is only the UnionPay logo on the bank card, indicating information exchange. In addition, there are many differences between credit cards and savings cards, and the function of 1, under normal circumstances, savings cards can not overdraw consumption, while credit cards can overdraw consumption. 2, application conditions, credit card application is more difficult than savings card, banks rely on income and credit, savings card as long as there is an ID card can apply. 3. Annual fee. The annual fee of credit card is higher than that of savings card. 4, deposit interest, credit card deposits do not bear interest, savings card deposits bear interest. 5. Appearance: Credit cards have anti-counterfeiting logo and UnionPay logo, while debit cards only have UnionPay logo. 6. Security: Credit cards are more secure than savings cards. 7. Classification: Savings cards are divided into magnetic stripe savings cards and chip savings cards, while credit cards are divided into credit cards and quasi-credit cards.