1. Savings card: its main function is savings deposits. Cardholders can realize card consumption, ATM cash withdrawal, etc. through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card. For functions such as transfers and various types of payments, expenses incurred through the card are equal to the reduction in the balance of the savings account. The account balance is zero and the card's payment function is reduced to zero.

2. Credit card: Credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

3. There are different application methods: Debit card: With your valid ID, go to any bank branch to apply. A current account must be opened first. The account balance must not be less than 10 yuan. Accounts that do not draw money based on seals. Accounts that are not reported lost or frozen, and the account status is normal.

4. Credit card: The application method is generally to fill in the credit card application form and submit certain copies of documents and certificates to the card issuing bank. After receiving the application form and relevant materials from the applicant, the card-issuing bank will review the applicant's creditworthiness. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank.

5. Different categories: Debit cards are divided into two types: magnetic stripe and chip. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

6. Different conditions of use: Debit cards require deposits before consumption can be made. Credit cards can be used as overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without charging any interest (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, as well as a handling fee of 2 cents).