There are differences between multi-currency cards and single-currency cards in terms of concept, scope of application and settlement methods, as follows:

1. Concept: A single-currency card refers to a credit card with a single settlement currency, and a multi-currency card refers to a bank card with both RMB accounts and foreign currency accounts.

2. Scope of application: the single currency of credit card, especially UnionPay card, is mainly applicable to China, and the multi-currency card is mainly applicable to foreign countries.

3. Settlement method: Single-currency cards of credit cards can only be settled in RMB, and multi-currency cards can be settled in multiple currencies.