There is no difference ~ but during the repayment period, the system will automatically transfer the repayment amount from your passbook account on the repayment date.

If the card and passbook are opened at the same time, they are all accounts in your name, which are related to each other and have nothing to do with the above accounts. Your company in the bank is an account, and there may be several accounts under your account. The difference is that one can be used at an ATM and the other needs to be used at the post office counter.