Girinlabs

What’s the difference between Virtual and Physical Card?

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Feature	Virtual Card	Physical Card
Format	Digital card in the app	Premium Visa card shipped to you
Availability	Instant, ready in seconds	Shipped to your address
Best for	Online payments, mobile wallets	In-store tap, ATM, travel
Apple/Google Pay	Yes	Yes
ATM withdrawal	No	Yes, any Visa ATM
Contactless NFC	Via mobile wallet only	Built-in NFC chip
Issuance flow	Verify → Issue → Activate → Spend	Verify → Issue → Activate → Ship → Use