Functionally, virtual and physical cards work in the same way. However, there are a few differences:
- You can use a physical card to pay at point-of-sale terminals directly. Since virtual cards are digital, you can only use a virtual card at payment terminals only via ApplePay or Google Pay.
- Physical cards can be used for withdrawing money from ATMs with the help of a security PIN. But you cannot withdraw money from ATMs using a virtual Card.