1. The card faces are different.

(1) The main feature of UnionPay cards starting with 62 is that the card number starts with the number 62 and the card has a unique UnionPay logo.

(2) The credit card starting with 4 is VISA, the credit card starting with 5 is MasterCard, and the credit card starting with 3 is American Express.

2. Different currency types.

(1) Credit cards starting with 62 are UnionPay standard credit cards, which are single-currency credit cards and can only be used as overdrafts in RMB

(2) Credit cards starting with 4, 5 or 3 are all dual-currency credit cards. kind of credit card. For example, RMB and US dollars, RMB and Hong Kong dollars, RMB and euros, etc., use one account for multiple currencies.

3. The scope of preferential activities enjoyed is different.

(1) With a UnionPay card starting with 62, you can participate in all marketing activities organized by China UnionPay and enjoy value-added services such as cash, gifts or points rewards. In addition, credit cards starting with 62 can also enjoy discounts and other benefits when swiping the card at special merchants.

(2) Other UnionPay cards can only participate in some marketing activities organized by China UnionPay, and the activity policies are also different.

Extended information:

The significance of issuing UnionPay standard cards:

UnionPay standard cards are issued in accordance with the business and technical standards of China UnionPay, with " UnionPay” logo and the bank identification number (BIN) of the card issuer are assigned and confirmed by China UnionPay. Currently, the BIN range of UnionPay standard cards issued by China UnionPay member institutions is: 622126~622925, all prefixed with "62", so it is also called UnionPay standard card prefixed with "62".

UnionPay Standard Card complies with my country’s unified business specifications and technical standards. It is a high-quality, international national brand bank card with independent intellectual property rights in my country. The issuance of UnionPay standard cards is of great significance:

(1) The issuance of UnionPay standard cards is in compliance with the "Several Opinions on Promoting the Development of the Bank Card Industry" (Yinfa [2005] No. 103) of nine national ministries and commissions and the "China The spirit of the Guiding Opinions of the People's Bank of China on Regulating and Promoting the Development of the Bank Card Acceptance Market (Yinfa [2005] No. 153) and other relevant documents is in line with the Eleventh Five-Year Plan's requirements for vigorously developing the financial services industry and maintaining the national financial system. The requirements of stability and financial security are conducive to the joint efforts of the majority of member institutions to create a national bank card brand with independent intellectual property rights and promote the healthy development of the national bank card industry.

(2) Issuing UnionPay standard cards and creating a national bank card brand will help maintain the security of national financial information, maintain the voice of domestic member institutions in the development of my country’s bank card industry, and control the development of the industry. It has the independent power to formulate standards and regulations to protect the long-term interests of domestic member institutions and the interests of cardholders.

(3) Issuing UnionPay standard cards and creating a national bank card brand is the premise and foundation for domestic member institutions to create their own brands, which is conducive to enhancing the cohesion of the domestic bank card industry and enhancing industrial strength. *** At the same time, we should also respond to competition and challenges from overseas institutions after the WTO transition period.

(4) The issuance of UnionPay standard cards can not only ensure their universal use in the country, but also achieve global acceptance with the internationalization of the RMB bank card network. It has been opened in 18 countries and regions, and at least 6 more will be opened in 2006, covering more than 98% of the countries and regions where Chinese people arrive, and the target merchant opening rate is more than 80%.

At the same time, compared with other brand bank cards, it will also reduce the trouble of currency exchange by directly using RMB for settlement, while allowing cardholders to reduce currency exchange losses by about 1% of the card transaction amount.