A bit difficult.

The annual fee policy is the same, so there is no need to consider this.

The standard v principal card is a credit card that can be used at home and abroad. If you will go on business trips, travel abroad, or shop on overseas websites, it is recommended to keep this card.

Henan Hot Purchase Card is a UnionPay single-currency card and can also be used at merchants that support UnionPay abroad, but the overall scope of use is not as wide as that of VISA cards. However, this card has advantages when used locally. The card has many merchant membership rights and many local discounts. Moreover, UnionPay often launches some activities for UnionPay single-currency credit cards. If you don’t go abroad and only use it at home, choose this one.