It depends on whether you use it at home or abroad.

The card starting with 62 is a UnionPay single-currency credit card. This card can be used at overseas merchants with UnionPay, but the card range is not as wide as the dual-currency credit card. It is very convenient to use in China, and it is also a chip card.

Most credit cards starting with 53 are MASTERCARD and UnionPay dual-logo credit cards, suitable for domestic and foreign countries, and are magnetic stripe cards. But there is an EMV credit card that also starts with 53. It is a MASTERCARD single-label credit card and a chip card. It is suitable for use abroad and can be used by few domestic merchants.

You can tell which one is better for you by looking at your actual needs.