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What is the difference between China Merchants Bank's "One Card" and "One Netcom"?

The difference between China Merchants Bank Card and China Netcom:

(1) The form of existence is not necessary: a card is a China Merchants Bank card, while China Netcom can be an online account without a card.

(2) There are different ways to handle the card: one card must be handled at any outlet of China Merchants Bank, and one Netcom does not need offline outlets.

(3) It has different functions and permissions: a smart card itself is a bank card, which enjoys all the financial services of a normal bank card (deposit and withdrawal, credit card consumption, offline ATM deposit and withdrawal), while a Netcom only has the functions of deposit, financial management and consumption, which is equivalent to a mobile phone wallet.

China Merchants Bank-Personal Business-One Card-One Netcom Account

China Merchants Bank-Personal Business-One Card-One Card