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Do I need to apply for a physical card when applying for a credit card via mobile phone?

No need.

Credit cards are all physical cards. You apply for a bank card via mobile phone, and it will send the card to you via express. Then you need to get it to the bank to activate it. However, for debit cards, if you apply for multiple cards from the same bank, you can use a virtual card for three types of cards. .

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.