There are four differences between a work bonus card and a credit card.

difference 1: the nature of the cards is different

the employee benefits card is a standard debit card.

Credit card is a credit card and a quasi-credit card.

Difference 2: Different uses

The "Work Benefit Card" can provide policy and legal advice, medical assistance, employment assistance, skill upgrading and free or preferential trade union facilities for the majority of trade union members, and it is a "love card" for trade union organizations to convey the concern of the Party committee and government for the workers and staff.

a credit card is a credit card in which the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. It has the functions of transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions.

difference 3: different application methods

employees who need work bonus cards can apply to their subordinate units and organizations for membership and join the ranks of trade union members, and their subordinate units and organizations will apply to the cooperative bank outlets in a unified way. At the same time, the Kunming Federation of Trade Unions will also verify and input the member information in time, so as to provide more services in the future.

when applying for a credit card, you need to bring your valid certificate (ID card or a copy of ID card), proof of residence, proof of income of the unit or proof of personal assets and other materials to the bank counter to go through the relevant formalities, and you need to fill out an application form, in which the information required is true.

after filling out the application form, you should go to the head office of the bank for filing. After the head office of the bank reviews the application materials, it will take about 2 working days to issue the card to the customer.

Difference 4: Different users

The "Work Benefit Card" was created by Yunnan Rural Credit Cooperatives and the Provincial Federation of Trade Unions for trade union members at all levels in the province.

citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct financial source can apply for a credit card from the issuing bank.

People's Network-Kunming 5, "Work Benefit Cards" can enjoy exclusive trade union services when they are first issued

Baidu Encyclopedia-Bank Card