The difference comes down to the base, not usually the medication itself. Ointments are oil-based (often petroleum-based), while creams are a mix of oil and water — that changes how each behaves on skin.
Ointments are more occlusive, meaning they form a stronger barrier that locks in moisture. That makes them well suited to very dry, cracked, or scaling skin, but they can feel greasy and aren’t ideal for hairy areas or hot, humid climates.
Creams absorb faster, feel lighter, and are generally more cosmetically acceptable for daytime use or larger body areas — but they don’t lock in moisture as effectively as ointments.
As a rule of thumb: for very dry or weeping skin, ointments tend to work better; for general daily use or the face, creams are usually more comfortable. If you’re not sure which formulation fits your skin condition, a pharmacist can point you to the right option.