The daily interest of credit card is 0.05%, and that of ant borrowing is between 0.0 15%-0.06%. From the interest point of view, the minimum interest on loans is lower than that on credit cards.

However, note that credit cards have an interest-free repayment period. As long as the cardholder repays the loan in full before the final repayment date, there is no interest-free period for the loan.