You can use your physical card to pay at actual shops, supermarkets or restaurants etc. Your virtual card cannot since it doesn’t exist in the real word.
You can use the physical card to pay for purchases with contactless payments, chip-and-pin and magstripe. Your virtual card does not have the contactless payments feature, a chip for chip-and-pin transactions, and a magstripe for magstripe transactions, as it is not physical.
Your virtual card can be used for online transactions only.