First, the nature of cards is different. Savings card, also known as "debit card", is mainly used for deposit and withdrawal of savings accounts. At present, all bank savings cards are multi-currency accounts in local and foreign currencies, and they can also be fixed and current, so the bank will pay the corresponding interest according to your deposit type. It should be said that you can apply for this card at the counter with valid identity documents.

Credit cards, also known as "debit cards", can be overdrawn in the traditional sense. When you apply for a card, the bank will issue the card according to your assets or credit, so it is more troublesome to apply for this card than to apply for a savings card. The bank will ask you to provide "work certificate, income certificate" and other information. After the approval, the bank will issue you a credit line of a card, which means you don't need to deposit money in the card in advance. With the overdraft limit, you can spend first and then repay.

Second, the practical angle is different.

A savings card is used to save money and can also be used as a payment account, such as a salary card. The card will also have many functions, such as being used as an account for paying telephone bills, or as an investment account for "speculating in foreign exchange" and "speculating in stocks".

Credit card, I personally think that if you want to do it, you should do a pure international credit card, one card and two coins, which is universal. The credit card will give us an interest-free period, during which the repayment is completely interest-free. At present, credit cards in various banks have credit card points management systems, and points can be exchanged for prizes. In addition, because the credit card department of the bank needs to do credit review when applying, the credit card has always been a symbol of identity and credit, and it is a representative of financial fashion. Staying in a hotel can also do pre-authorization business.

As you are a student, I suggest you apply for the youth credit card of China Merchants Bank. This credit card is specially prepared for college students. The annual fee is free in the year when the card is opened, and the card is swiped six times in the first year. If the amount is not limited, the annual fee for the second year can be deducted.