Business cards and ordinary credit cards are two different credit card products. There are differences between them in the following aspects:

1. Different objects of issuance: Business cards are specifically targeted at budget units. Credit card products are issued by staff, while ordinary credit cards are available to all ordinary users. Individual users cannot apply for official cards.

2. Different functions: The main purpose of a business card is to use it for expenses and reimbursement of official activities, while an ordinary credit card can only be used for personal daily consumption. Official cards have more specialized functions and can better meet the needs of official expenditures.

3. Different credit limits: The credit limit for business cards is usually higher, with a minimum of 10,000 yuan, while the credit limit for ordinary credit cards is determined based on the applicant's qualifications. The high limit of a business card is conducive to meeting the needs of official expenses, while ordinary credit cards pay more attention to personal credit evaluation.

What is a business card?

Official card refers to the central fiscal budget official card, which is stipulated in the notice (Caiku [2007] No. 63) jointly issued by the Ministry of Finance and the People's Bank of China of the "Interim Measures for the Management of Official Cards of Central Budget Units" , is a credit card that staff of central budget units must hold and use. The main purpose of the official card is for daily official expenses and financial reimbursement business, and can also be used for personal consumption, but it does not support the application of supplementary cards. In order to better promote the use of official cards, the Ministry of Finance issued a notice on September 27, 2012, planning to fully implement official cards by the end of 2012.

Through this measure, the financial management of central budget units can be better standardized, financial efficiency improved, and unnecessary expenditures and waste reduced. At the same time, the promotion of official cards will also help ensure the security and transparency of public finances, improve management levels, and promote the government's clean government and anti-corruption efforts.