Ant Guarantee Credit Card is a physical card. According to the official Alipay website, Ant Guarantee Credit Card is a credit card launched by Alipay and major banks, and requires a bank card. A real card means that you open Ant Security, enter "Credit Card Application" on the homepage, then click "Apply for Free Credit Card" and follow the page prompts to enter relevant personal information, such as name, ID card, workplace, income, etc., and then the application is successfully issued. Physical card. Therefore, the Ant Guarantee Credit Card is a physical card.