urbanization, city building, huge settlements with large population size, trading routes with other civilizations, conquest, stratification, science, castes/hierarchy.
I dont think urbanization is the difference among culture and civilization,
urabnization is just a degree of how engineering and social sciences were advanced,
for me the difference is like Americas West and Indians,
for example indians had different cultures, and they were divided to tribes
simmilar tribes had simmilar culture,
different tribes had different culture,
but all this makes the civilization of 'open valleys'
Petra for example is a culture and civilization by its own, fits to both,
now you use the term urbanization, to describe the difference among culture and civilization,
I will use 2 term
1) civilian πολιτης πολις
2) production and advanced usage of first materials,
1) civilian, is the unit of a civilization, civilians according civilization they belong somewhere they produce store and consum, and they protect these things and their society,
2) production lets look at Eskimoes, they hunt not farm, but they produce and have advanced usage of their first level materials, they may never found iron production, cause it might be never there as iron ore or as coal, but they had advanced usage of bones and leather which is plenty there,
they may have different or simmilar culture according tribe, but they all are the civilization of Arctic lands.
so when I, a farmer who used to be dressed with linen cotton and wool, move there, I am doomed, if someone did not transmit me the secrets of their civilization,
ok the above are personal,
termination civilization, advanced, and very or high advanced has to do with the level of sciences and law respect,
all civilizations collapse by 3 things
1) barbarian raiding enemies (steal the production)
2) lost or lack of first level materials and not turn to alternative production
3) new inside culture that deny law and sciences (anarchy or new religion)
many times culture and civilization is the same thing, many times not
a good example Finland,
Finland has 2 civilizations,
1 of urban Finnish at cities with govermental and industrial etc etc
2 the lappi of the North who are breeders
now these 2 had different civilizations few centuries before
but today they combine and complex their needs and demands and have a higher and more complicated civilization
Lappi use snow motorbikes and consume oil,
Urban Finnish consume Lappi production
so yes merchantise as you said is something that advance a civilization
a good example among culture and civilization is sports and how people develope and think about
Football (soccer for USA) is purely European culture that also loved and advanced in S America culture, and elsewhere
champions league is a kind of ultimate desire for Europeans,
each country had developed its own style of gaming according their culture,
the same game in USA Canada and Australia is just silly, or not worthy,
that is difference of culture, not civilization,