---
title: "Virtual Vs Normal Credit Card Top Differences"
description: "In this post, I have explained the Virtual and Physical card differences. Also given information about Incremental authorization with the Virtual cards"
url: https://srinimf.com/2020/04/02/incremental-authorizations-on-a-virtual-credit-card/
date: 2020-04-02
modified: 2026-10-10
author: "Srini"
image: https://i0.wp.com/srinimf.com/wp-content/uploads/2020/04/virtual-credit-cards-1.jpg?fit=1200%2C700&ssl=1
categories: ["Credit Cards domain knowledge"]
tags: ["Incremental Authorization Example", "Virtual Credit cards"]
type: post
lang: en
---

# Virtual Vs Normal Credit Card Top Differences

A virtual card also called Digitcal [credit card](https://srinimf.com/2018/04/07/timeout-transactions-in-credit-cards-domain/). In general, a credit card has 16 digits. Also, a digital credit almost same as normal card except digital form.

---

## 1. Normal Credit Card

1. Card Number
2. CVV Number
3. Expiry date

Similarly, virtual credit has all the above three values. In general, the virtual card is linked to any one of your physical credit or debit cards or to your account.

## 2. Virtual Credit Card

Mainly to avoid the card fraud, the bank introduced, virtual credit card facility. Growing usage of Smart-phones and apps made this facility live now.

[Incremental authorizations](https://srinimf.com/2017/05/31/the-incremental-authorization-in-cards-processing/) also called top-up authorization, being used in hotels, Lodging, Hospital industries.

- ## Once a virtual card is created you can use it in certain time limits like 48 hours. This varies depending on the banks.

**The Question: Can we use virtual card for incremental authorizati**ons?

The answer is ‘yes’, why because a virtual card is anyway to your physical card or account.

References

- [What is virtual credit card and how to use it](https://wallethub.com/edu/cc/virtual-credit-card/65981/)
- [How to Generate Virtual Credit Card Example](https://www.hdfcbank.com/personal/pay/stay-secure/netsafe)

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- [Credit Cards Domain: 6 Top Payment Solutions](https://srinimf.com/2016/03/06/credit-cards-domain-types-of-different-payment-solutions/)DateMarch 6, 2016
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