As for credit cards, most people only know the difference between gold cards and ordinary credit cards. Recently, a credit card for civil servants was released. So, what is a civil servant card? What are the differences between a civil servant card and an ordinary credit card?

What is a civil servant card?

A civil servant card is a type of credit card and belongs to the scope of credit cards. It is a UnionPay card specially launched by China UnionPay for the daily official expenses of institutions, enterprises and institutions. It is mainly used for travel debits, reimbursements, travel reservations and other aspects to meet the needs of accounting management of institutions or enterprises and institutions.

What are the differences between a civil servant card and an ordinary credit card?

1. The civil service card is a credit card. The cardholder can consume within the credit limit first and then repay the credit card. Ordinary credit cards are only credit cards issued by major banks and are only suitable for daily consumption.

2. The cardholder of the official credit card is a staff member of the budget unit, and the unit must confirm his or her identity when applying for the card; while ordinary credit cards do not need to confirm their identity when applying.

3. The official card can be used for expenses and reimbursement of official activities. It can also be used for personal consumption in addition to official consumption. In general, ordinary credit cards are mainly used for consumption.

4. The credit limit of official credit cards is high. The credit limits of various banks for civil servant credit cards are generally higher, with a minimum of 10,000 yuan and a maximum of 50,000 yuan or even 100,000 yuan. Credit cards, on the other hand, are different in that the credit limit is determined based on the applicant's own conditions.

5. Business cards are free of annual fees for life. Overpayment is free of charge for cash withdrawals within municipal or provincial jurisdictions, while other credit cards charge 0.1-0.5 of the cash withdrawal amount. Some special business cards can also enjoy exemption from out-of-town withdrawal fees.

6. Business cards have many value-added services and enjoy the exclusive privileges of gold cards. Many banks directly regard business cards as gold cards and grant cardholders the exclusive privileges of gold cards; ordinary credit cards cannot enjoy gold card privileges. Card benefits.

7. The business card is a UnionPay standard card with a unified business card BIN number field encoding. At the same time, you can also enjoy preferential services such as free card replacement upon expiration, free text messages, and interest-free cash withdrawals.

The above is the specific content about what is a civil servant card? What are the differences between a civil servant card and an ordinary credit card? I believe that after reading it carefully, you will have a general understanding. Friends who want to know more information, please focus on.