Not the same. The inclusive financial card issued by rural credit cooperatives is a type of quasi-credit card among credit cards. It has different characteristics from ordinary credit cards. The details are as follows:

1. Inclusive financial cards are usually Rural Credit Cooperatives issue loans to users. Unlike ordinary credit cards, there is no interest-free period for the overdraft bill of the Puhui Card. Interest is calculated on a daily basis starting from the date the cardholder overdrafts. Interest rates are usually lower than other banks.

2. Inclusive cards are different from ordinary credit cards. Deposits have a certain interest, while credit card deposits have no interest.

3. When the Inclusive Card is used to repay a loan, short-term loans can be paid with interest first and then the principal. Long-term loans usually require monthly interest plus a certain amount of principal.