1. Tencent's co-branded credit card is a credit card jointly launched by Tencent and the bank, establishing cooperative relations with specific partners. Ordinary credit cards are standard credit card products independently issued by banks, and there is no exclusive relationship with specific partners.

2. Tencent co-branded credit cards can enjoy benefits, discounts or special rights provided by specific partners, air mileage accumulation, air ticket discounts, etc. The preferential contents of ordinary credit cards include ordinary preferential policies formulated by the issuing bank, cash back of consumption, redemption of points, etc.