The difference between savings card and credit card: 1. Different in nature: savings cards are debit cards and credit cards are debit cards. 2. Different functions and functions: The main function of the savings card is to save deposits, while the credit card has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 3. Different conditions of use: savings cards can only have deposit consumption, and credit cards can have no deposit overdraft.

4. Different processing conditions: the conditions for processing a savings card are relatively simple. Under normal circumstances, as long as 16 is over one year old, you can bring your valid ID card to the bank outlet to apply for a savings card. But there are many conditions for handling credit cards. Applicants need to be 18 years old, have a stable job and income, and provide relevant certification materials, and their personal credit status is good before they have the opportunity to apply.

Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card. There are two kinds: magnetic stripe and chip. Its main function is to deposit and withdraw money at networked ATMs and bank counters and spend it at networked POS machines.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.