The difference between virtual card and physical card of electric vehicle charging card lies in variable account number and usage times. According to relevant data, the virtual card of electric vehicle charging card is bound with the credit card of real users, which provides a variable 16-bit account for inter-network transactions and will not let the real credit card information leak between networks. However, the accounts of physical cards are different. Some accounts of virtual cards can be used once, while physical cards can be used many times.