Colin Wilson wrote :
The shape at the end of the drill bit itself is different - drills for
steel are sort of spiralled and ground to have a sharp edge at the
end, whereas a masonry bit has a spiral with a blob of metal at the
end that takes the strain of the hammering.

Not the best of pictures, but...

www.lsdinc.com/images/products/masonry_bit.jpg

The masonry types have a separate tip brazed in, the tip looks a little
like a spear.

--
Regards,
Harry (M1BYT) (L)
http://www.ukradioamateur.co.uk