1, the coverage of consumption payment is different: all-currency credit cards are consumed in any country, and they can be repaid directly in RMB after returning home; Multi-currency credit cards can only meet the payment needs of RMB, USD, EUR, HKD, GBP, JPY and SGD at home and abroad.

2. Different charging standards: All-currency credit cards are free of exchange fees; When using a multi-currency credit card, there is no handling fee for converting into local currency.

3. Different repayment methods: All-currency credit cards can use Alipay and debit cards to purchase foreign exchange automatically, RMB to purchase foreign exchange, and foreign currency to repay directly; Multi-currency credit cards can only use RMB to purchase foreign exchange, and foreign currency can be repaid directly.