1. Different rights and interests: Business cards can enjoy preferential services such as free annual bank fee, free card replacement at maturity, free handling fee for cash withdrawal at local banks, free SMS, etc., while ordinary credit cards do not have these rights and interests, and only when they meet the conditions can they enjoy some rights and interests. 2. Different users: Not everyone can apply for a business card. Generally speaking, civil servants, institutions and staff of state-owned enterprises can apply, while credit cards can apply as long as they meet the application conditions.

Business card is the abbreviation of central budget business card. According to the relevant provisions of the Notice of the Ministry of Finance and the People's Bank of China on Printing and Distributing the Interim Measures for the Administration of Official Cards of Central Budget Units, the staff of Central Budget Units must hold and use them, mainly for daily official expenses and financial reimbursement business, taking into account private consumption, and cannot apply for supplementary cards.

Business cards have the common attributes of credit consumption and other common attributes of ordinary bank cards, and also have the unique attributes of financial management. It can combine the relevant requirements of financial management with the unique advantages of bank cards, and it is a new financial management tool and means. At the same time, the official card has the basic attributes of a general bank card, and it is free of interest to withdraw cash.

As a modern payment and settlement tool, the official card is not only convenient to carry and use, but also highly transparent, and all payment behaviors are well documented and traceable.