Credit card benefits refer to the additional benefits or privileges enjoyed by credit card holders when using credit cards, such as free travel insurance, cash back from shopping, points accumulation, etc. Activities refer to the temporary special offers made by credit card issuers to attract customers or promote consumption, such as giving gifts when the consumption is full, preferential discounts, etc.

Credit card benefits usually apply to all customers who hold the credit card, whether they are new customers or old customers; Activities may only be targeted at specific customer groups or under specific conditions.