1, with different functions. The main functions of bank cards are saving money, withdrawing money or managing money. The main function of a credit card is spending, and the cardholder can spend first and then repay.

2. The validity period is different. Most credit cards are valid for five years, while bank cards are valid for five years, 10 years or even indefinitely.

3. Bank card deposits have interest, while credit card deposits have no interest.

4. The annual fee is different. The annual fee of bank cards is mostly more than ten yuan, but the annual fee of credit cards is as high as several hundred yuan or even thousands of yuan.