1. Different target customers: The main target customers of industrial standard silver cards are ordinary consumers, while the core customers of universal life cards are high-end people, including highly educated people, high-income people and people with high social status.

2. Different card rights and interests: The card rights and interests of Industrial Standard Silver Card include basic benefits such as points and credit card cashback, and also provide special preferential activities in shopping, tourism, food and other fields; On the basis of basic welfare, Universal Life Card also provides more privileges and benefits such as high-end membership service, exclusive courtesy, boutique travel and private ordering.