The essence is different: the ordinary card of Industrial Bank is just a regular savings card, while the capital card is a comprehensive wealth management card integrating deposit, financing, investment and consumption.

Different fees: Industrial Bank's capital card is a payroll card for employees, which is exempt from the annual fee, account management fee and small account management fee for payroll accounts, while the annual fee, management fee and handling fee for ordinary cards have to be paid, and the handling fee such as transfer is also relatively expensive.