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What's the difference between China Merchants Bank Card and Netcom?

The difference between China Merchants Bank Card and Netcom;

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