1. Dual-currency cards are UnionPay and international credit card organizations; All-currency card is a single international credit card organization.

2. Currency exchange rates are different. Dual currency cards are charged at 1.5%; All-currency cards are free.

3. Dual-currency card has both RMB account and foreign currency account. All-currency cards have multiple accounts at the same time.

4. Dual-currency cards are used to settle domestic consumption in RMB, and there are currency conversion fees abroad; There is no currency conversion fee for all-currency cards, and it is barrier-free to swipe cards abroad.

5. Dual-currency cards can use UnionPay channel, while full-currency cards do not support UnionPay channel temporarily.