specifically, you don't need a physical card, but you can tie the card on a third-party payment platform, and then make quick payment with the help of smart phones and other devices, such as tying the card on Alipay/WeChat, so that you can pay through Alipay/WeChat with your mobile phone; In terms of security, you don't have to worry about the card being lost and stolen, and you can also set the lock time and transaction limit for the credit card.
as far as use is concerned, since there is no physical card, you can't spend money directly by swiping it. With the help of mobile payment tools, you can bind your credit card to Alipay and WeChat before spending money by swiping it, and you can enjoy card-free payment. The scope of use is as wide as that of physical cards. In a word, the silver digital credit card is a virtual credit card, which does not need a physical card number, but can be used for credit card consumption with the help of mobile payment tools like ordinary credit cards, and can be used online and offline.