1. Morphological differences: physical cards are concrete plastic cards, which are often issued by banks or financial institutions, with information such as card number, expiration date and cardholder's name printed on them, and are equipped with magnetic strips or chips for swiping cards; Virtual cards have no physical cards, only a group of card numbers and other necessary card information, which often exist in electronic form and can be used for online payment.

2. Security difference: the physical card can be directly stolen or lost, which has certain security risks; Because the virtual card has no physical form, it can generate multiple temporary card numbers as needed, and can be deleted or replaced at any time, which is more flexible and safe.