ICBC Money Link Card is a multifunctional bank card with comprehensive functions that fully integrates some basic services of electronic banking. A credit card is just a consumer card with a certain credit limit, the cardholder can pay first and then repay within the credit limit, enjoys an interest-free repayment period according to regulations, and has no interest on deposits. So there are still differences between the two. The specific differences are:

Difference 1. ICBC Money Link Card is a debit card; credit cards are not debit cards and are two different types of cards.

Difference 2. The ICBC Money Link Card can not only handle current deposits, but also directly deposit into time deposits of various deposit periods. When withdrawing, you can use the card; however, credit cards cannot be used, and deposits or withdrawals cannot be made ( Except for credit cards that can be cashed out).

Difference 3: ICBC Money Link Card can deposit U.S. dollars, Hong Kong dollars and other currencies; however, credit cards, especially domestic credit cards, cannot deposit foreign currencies.

Difference 4: ICBC Money Link Card can transfer and remit money, and it can also be transferred to the account in real time, whether it is handled at the counter or mobile banking, etc.; however, credit cards (general credit cards) can only be used for consumption activities , but cannot transfer