1, different names. Savings cards are also called debit cards, and credit cards are debit cards.

2. The handling requirements are different. Everyone can get a savings card, as long as they bring their ID card. Credit cards are conditional, and only those with good credit and a fixed job and income can do it.

3, the use of different ways. The savings card is deposited first and then used, and cannot be overdrawn. Credit cards are used first and then returned, and you can overdraw within the limit.

4. The calculation method of interest is different. Savings card deposits have interest, and interest is paid once a quarter. Credit card deposits have no interest, but interest is paid for cash withdrawal and interest is calculated for overdue repayment.

5. The validity period is different. Savings cards have no expiration date and can be used for a long time. Credit cards are generally used for 5 years, and need to be renewed after expiration.