Not the same.

According to Xicai.com’s inquiry, CITIC Bank electronic cards and credit cards are not the same. CITIC Bank's electronic card is a virtual card without a physical card. It is usually used for online payment transactions and cannot be used for offline consumption. Ordinary credit cards have physical cards. After the customer's application is approved, the bank will print the card and send it to the customer. Credit cards can not only be used for purchases at offline merchants, but can also be bound to quick payments for online transactions.

If a customer applies for a CITIC Bank electronic card and other ordinary credit cards at the same time, the credit limits of these two cards should be exclusive.