1, in fact, it is the same. Foreign users are credit card institutions and alliances. Both ICBC and CCB are UnionPay, and they are also MASTER or VISA. However, sometimes the card used may be different in different regions and cultures, depending on where you are going. If you go to many areas, it is recommended to go directly to the former. If you only go to Europe, it is recommended to go to the latter.

2. ICBC multi-currency credit card is a multi-functional credit card product pioneered by China Industrial and Commercial Bank in the world, which can meet the domestic and overseas payment needs of RMB, USD, EUR, HK$, GBP, JPY, Singapore dollar, Canadian dollar, Australian dollar, Swiss franc and New Zealand dollar.

3. European Travel Credit Card is a dual-currency credit card with RMB and Euro accounts issued by China Construction Bank to facilitate European travel. It also provides special services such as hotels and air tickets.

The main difference between the two is that your original gold card is RMB and USD account, and your new card is RMB and Euro account. When you swipe your card in the euro zone countries, you can settle it directly in euros, so you don't need the exchange fee of 1.5% required for the original dollar settlement.

In other words, it is more appropriate to travel to Europe or travel frequently.

The others are not much different.