The withdrawal card allows you to withdraw money from your bank's cash machines. You can't make a payment with this card. It is usually free.

The credit card allows you to withdraw money from ATMs in all banks. It also allows you to make payments at the merchants or remotely (telephone and internet). The credit card can be debited immediately, i.e. the amount of the purchases is immediately charged to your account. It can also be a deferred debit, meaning that the total amount of purchases made in the month is charged to your account at one time and on a fixed date.

The credit card is usually charged. The rates depend on the account agreement.