Business cards cannot be used for transfers.

1. The difference in discounts.

Business card: It can be used for official expenses and reimbursements. A business card is essentially a credit card, so it can be used for both official consumption and personal consumption.

Credit card: When used as a personal consumption credit card, it has the same functions as an ordinary credit card. You can also enjoy the benefits brought by UnionPay standard card promotions in more than 140 countries and regions around the world. Generally, ordinary credit cards are mainly used for consumption.

2. The difference between credit limits.

Official credit card: The credit limit is high. The credit limit given by various banks to civil servants' credit cards is generally higher, with a minimum of 10,000 yuan and a maximum of 50,000 yuan or even 100,000 yuan.

Credit card: The credit limit is determined based on the applicant's own conditions.

3. The difference in annual fees.

Business card: It is free of annual fees for life. Overpayment can be withdrawn within the municipal or provincial jurisdiction without handling fees. Some special business cards can also enjoy the exemption of handling fees for withdrawals from other places;

Credit card: 0.1%-0.5% of the cash withdrawal amount.

4. Functional differences.

Business card: It is a credit card. It is a credit card in which the issuing bank gives the cardholder a certain credit limit. The cardholder can consume within the credit limit first and repay later.

Credit cards: They are just credit cards issued by major banks. They have no special functions and are just suitable for daily consumption.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Business Card