The form of (1) does not need to exist: the smart card is the bank card of China Merchants Bank, and Netcom can be a cardless online account.
(2) Different handling methods: All-in-one card must be handled at any outlet of China Merchants Bank, and Netcom does not need offline outlets.
(3) Different functions and permissions: Smart card itself is a bank card, which enjoys all the financial services of a normal bank card (deposit and withdrawal, credit card consumption, offline ATM deposit and withdrawal), while Netcom only has the functions of deposit, wealth management and consumption, which is equivalent to a mobile wallet.
China Merchants Bank-Personal Business-One Card-One Netcom Account
China Merchants Bank-Personal Business-One Card-One Card