ETC credit card is different from ordinary credit card. ETC credit card has ECT function, which can be inserted into OBU equipment for high-speed ETC deduction. Ordinary credit cards only have basic financial functions such as credit card consumption, cash withdrawal and transfer. To sum up, ETC credit card has more functions.

There are two business models of ETC credit card, one is prepaid stored value card, and the other is prepaid value card that can be bound to bank account for post-paid withholding business. ETC credit card is a functional automatic toll collection system that communicates with microwave equipment in ETC lane through "vehicle electronic tag +IC card" to realize the payment of high-speed tolls without stopping at any time.

Autopass electronic tag is specially issued by a company to record the vehicle information of each vehicle user, and with the special communication equipment installed in the driveway, it can realize non-stop traffic.

Ordinary credit cards are divided into credit cards and quasi-credit cards, both of which are issued by banks. However, credit card holders can use their credit cards directly without any additional conditions. Quasi-credit card holders need to pay a certain amount of reserve fund when handling card consumption. When the amount of the credit card account is insufficient to pay for the consumption, he can overdraw the quasi-credit card within the credit card limit.

For car owners, it is better to apply for ETC credit cards than ordinary credit cards, and ETC credit cards also have various high-speed fee concessions. And other consumption, ordinary credit cards can be swiped, and ETC credit cards can also be swiped.