What are physical card and virtual card? 18 October 2022 08:46 Updated Virtual card can be used instantly upon approval and you can use it on online stores which support Mastercard. Physical card can be used upon successful delivery and activation. We accept both offline and online merchants which support Mastercard. Related articles Can I get both virtual card & physical card? What is Atome card? What is the physical card delivery time? What documents do I need to provide when applying for an Atome Card? How can I check the status of my application?