The physical form is different, and the application and use are different.

1. Physical form: Alipay Hidden Credit Card does not have an actual plastic card, but is based on an online digital credit limit. This means that users do not need to carry a physical credit card and can simply use the Alipay app to pay.

2. Application and use: The application and use of Alipay’s hidden credit card are relatively simple. Users only need to bind their bank card in Alipay and verify their identity information. The application and use of traditional physical credit cards require users to go to the bank counter or apply and activate through online banking, and need to provide more personal information and credit information.