1. Different card types: Ping An Owner's Card is divided into UnionPay version and MasterCard version, which can be used both at home and abroad, while ordinary credit cards are divided into single-currency cards and multi-currency cards, which are mainly used in China.

2. The annual fee for credit cards is different: the annual fee for the credit card gold card of Ping An owners is 200 yuan, which is free in the first year. If you don't open the card, you will receive it immediately without deducting the annual fee. The annual fee will be reduced or exempted in the following year until the card reaches 30,000. During the validity period, supplementary cards will be exempted, and ordinary credit cards will be charged according to the card type.

3. The rights and interests of the card are different: the owner card enjoys the benefits of refueling, as well as the rights and interests of giving insurance and road rescue, while the ordinary credit card has different rights and interests because of the different types of cards.