1. The white card of China Merchants Bank young is UnionPay single-currency card, and the black card is UnionPay and JCB dual-currency card.

2. The design concept of white card and black card is different.

3. The white card of China Merchants Bank young is white and the black card is black.

There is no difference between the young white card and the black card of China Merchants Bank in domestic use, but there is little difference in function. You can enjoy double points for your birthday, reduced fees for the first month, and cash withdrawal amount 100%. And they are all credit cards of customers under 30.