1, functional difference

A business card is a credit card, which is a kind of credit card. Credit card is a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Credit card ordinary card is just a credit card issued by major banks, and it has no special function, but is suitable for the daily consumption of credit cards.

2, the difference between the cardholder's identity

The cardholder of the official card is the staff of the budget unit. The unit must confirm his identity when applying for a card, while ordinary credit cards do not need to confirm his identity when applying.

3. Differences in concessions

Business cards can be used for expenses and reimbursement of official activities. Business cards are essentially credit cards, so they have the function of both official consumption and personal consumption. As a personal consumption credit card, it has the same functions as ordinary credit cards, and can also enjoy the benefits brought by the preferential activities of UnionPay standard cards in more than 40 countries and regions around the world/KLOC-0. Ordinary credit cards are mainly used for consumption.

4, the difference between the credit line

The credit limit of official cards is relatively high, and the credit limit of banks to civil servants' credit cards is generally high, ranging from 1 10,000 yuan to 50,000 yuan or even 1 10,000 yuan. The credit card determines the credit limit according to the applicant's own conditions.

5. The difference of annual fee.

Business cards are free of annual fees for life, and some overpaid cards are free of handling fees when withdrawing money from municipal or provincial jurisdictions, and some special business cards can also enjoy free handling fees for withdrawing money from different places; The credit card is charged at 0. 1%-0.5% of the cash withdrawal amount.

6, enjoy the difference between the gold card courtesy

Business card has many value-added services and enjoys the distinguished courtesy of gold card. Many banks directly regard the official card as a gold card, giving cardholders the distinguished courtesy of a gold card. Ordinary credit card Ordinary credit card can't enjoy gold card treatment.

Baidu encyclopedia-business card

Baidu encyclopedia-credit card