1. Issuer: Hong Kong Universal Trust U card is issued by Hong Kong Universal Trust Bank, and ordinary U card is issued by major banks or other financial institutions.
2. Features: U card of Hong Kong Universal Trust has high security, supports contactless payment and is universal. The ordinary U card may have relatively few functions and limited application scope.
3. Card material: Hong Kong Universal Trust U card is made of special material, which has high wear resistance and bending resistance and longer service life. Ordinary U-cards may be made of ordinary materials and have a relatively short service life.