The civil servant card is a credit card, not a savings card. Specially used for consumption, with points for consumption, you can exchange gifts at CCB official website. Only civil servants can handle it, and ordinary cards and gold cards can be used as VIP cards. There is no charge for deposit in China Construction Bank, but there is a charge for withdrawal. The savings card is specially used for depositing and withdrawing money, and there is no charge for depositing and withdrawing money only in the same city.