1. Different functions: basic services such as inquiry and transfer can only be performed on the self-service equipment of the Postal Savings Bank, but not on other banks' ATMs, POS machines and online banking channels. Refers to bank cards with more powerful functions and wider application scope, which can be operated in ATM, POS machines and online banking channels of other banks.

2. Different scope of use: the first type of card has lower risk and lower service cost, and is suitable for ordinary savings and daily life. The second type of cards include debit cards and credit cards, which can be used in various payment and consumption scenarios, such as shopping, traveling and online payment.