There are two biggest differences between credit cards and savings cards: first, credit cards can be overdrawn, that is, we often say that you should spend first and then repay, but savings cards say that you have to save money before spending. The second difference is that savings cards mean that banks will pay you current interest like ordinary passbooks, and banks will not pay you interest if there is more money in credit cards.

ICBC's Peony Ctrip Card is not a credit card, but a debit card.