The differences between the two are: different nature and different scope.
1. Different nature: white-collar card is a kind of bank card, and credit card is an electronic payment card.
2. Different scopes: White-collar cards can be used on common platforms of various merchants, and the credit card consumption range covers Chinese and Western restaurants, teahouses, clothing, etc.
3. Different functions: White-collar cards are designed to bring greater convenience to white-collar workers. Credit cards have functions such as consumer payment and credit loans.