Multi-currency credit cards are not dual-currency cards, and there are certain differences between them. The specific analysis is as follows:

1. A multi-currency credit card refers to a credit card with a credit limit of multiple currencies, and a dual-currency card only has settlement accounts in RMB and foreign currencies.

2. The main function of multi-currency is to avoid currency conversion fees. No matter where you spend money, you can repay the money directly in RMB after returning home, eliminating the formalities of purchasing foreign exchange, while the dual-currency card needs to convert the consumption currency into US dollars first and pay the currency conversion fee.