bank cards are mainly divided into two types according to the issuers: debit cards and credit cards.

a debit card is a card directly associated with the cardholder's personal bank account. Cardholders can directly use their own deposits to make payments and withdrawals through debit cards. Debit cards generally have only one cardholder, that is, the owner of the account. They can also be called master cards because they are directly related to the account.

a credit card is a payment tool issued by a bank or financial institution. Cardholders can spend money by credit card without using their own savings directly. A credit card can have multiple users, who are called supplementary cardholders. There is a family relationship or authorization relationship between the supplementary cardholder and the main cardholder, and they share the same credit card account. The main cardholder bears the main responsibility, while the supplementary cardholder can enjoy the same credit limit and consumption rights as the main cardholder.

therefore, the classification of bank cards is mainly based on the nature and function of the cards, rather than the main card and subsidiary card according to the object of the issuing bank. I hope this answer can help you better understand the classification and related concepts of bank cards.