1. The difference between a digital credit card and a physical card is that a digital credit card has no physical card, while a physical card has a physical card; Digital credit cards cannot be swiped on POS machines, but physical cards can be swiped directly on POS machines. Digital credit cards need to be bound with a third-party payment APP to be used, and physical cards can be used alone.

2. Digital credit cards and physical cards are mainly different in usage, but their basic financial functions are the same, such as supporting overdraft consumption, transfer and cash withdrawal.