No, it’s different. All-in-one card M+ card is a debit card, including IC card and pure magnetic stripe. If you apply through an outlet, it will be an IC card (621483); if you apply through a credit card direct sales channel, it will be a magnetic stripe card (622588). The main differences between the All-in-One Card M+ card and the existing All-in-One Card are: 1. Modern: cool card surface design exclusive to fashionistas (a variety of options to choose from); 2. Money: the first three months of use of the card are exempt from the first payment of each month. Two domestic ATM withdrawal fees; 3. Mobile: The card has a QR code, which can be scanned to check M+ card activities and discounts anytime and anywhere. 1. Credit cards are mainly used to consume first and repay later. You can use bank funds to consume in advance and enjoy the interest-free period. This is a financial management method. 2. A credit card is not a savings card, and interest will not be charged on deposits in the credit card. 3. Credit card can be used as a payment tool and can be consumed directly through the card-swiping POS machine or online payment platform installed by the merchant. 4. The bank will also provide you with various forms of points, discounts, installments, draws, promotions and other activities. 5. Credit cards are still the main international payment tool. You can shop conveniently overseas and on international websites. If you are staying in a hotel on a business trip, only a credit card can complete the hotel pre-authorization for you.