1. Digital credit cards exist in mobile phones or other electronic devices, which are convenient to use and highly secure. They can manage and track consumption records more conveniently, reduce the use of plastic and paper, and be more environmentally friendly.

2. Physical cards are more widely accepted in stores and other trading places, and are not limited by electronic devices and network connections. They can be used in some emergencies, such as when the electronic equipment is out of power or unable to connect to the network, but digital credit cards are better in speed and security.