The only difference between physical and virtual cards actually depends on how a person prefers to make payments. If you’re mainly using digital wallets (such as Apple Pay, Google Pay, and mobile banking applications) on your smartphone, you can go for any card because they function the same way for online and in-store purchases through eWallet. Conversely, a physical card is a better option if you don’t always have a smartphone or any other smart device. One should remember that if a smartphone is lost, stolen, or broken, it might be challenging to pay for something if only a virtual card was used.