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Product · August 21, 2024TEAM REVOLUT JAPAN

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Physical vs virtual cards — what's the difference?

When you complete your ID verification in-app, you'll be able to order your first Revolut card. You can choose a physical or virtual card, depending on your needs.

Or, if you want the best of both worlds, choose both! For example, you can use your virtual card to shop online, and your physical card to pay in stores. Customers of any membership plan can order up to 6 physical cards per person, and 20 virtual cards per person.

Physical cards

It usually takes several days for your physical card to arrive. While you wait, you can start using virtual cards for online payments, from day one. If you choose a physical card, first confirm your delivery address is correct, then select the delivery method — easy as that.

If you’re a Standard plan customer, you'll pay a JPY500 delivery fee for your first physical card order, effective from 14 July 2024. This covers the cost of shipping, there’s no fee for the card itself.

Replacing your expiring card with standard shipping is free.

Virtual cards

If you'd like to choose a virtual card, go to the Cards tab in-app → select Add new → choose Virtual debit card. You'll see your virtual card appear in-app, which means it's ready to use online.

Please note that physical cards never share the same card numbers as virtual cards. From 14 May 2024, if you're using an Android device, you can add your virtual card to Google Pay, and can use it in store, even before your physical card arrives (in shops that accept Google Pay as a payment method).

Physical card delivery fees

Since the changes to our Standard plan T&Cs, effective from 15 July 2024, the first physical card to issued to a Standard plan customer will be subject to a delivery fee of JPY500.

Your card can be used until 11:59pm on the last day of the expiry month stated on the card. We'll inform you 28 days before its expiry date, and send you a new card.

Customised cards

Our customised cards feature is available from March 2024 for customers on a Standard plan, and ordering a customised card will cost JPY700.

The delivery fee for Standard plan customers is JPY500, or JPY2,000 for express delivery. For more information, please see our customised card T&Cs and Standard plan fees below.

Activating your physical card

When your physical card arrives, make sure to activate it in-app before using it for payments. To do this, you'll need to enter your 16-digit card number, which you can find in the Cards section. For security reasons, physical cards can't be used for payments in stores or online until they're activated.

What's a virtual card for?

You can have up to 20 active virtual cards linked to your account, and use each card for specific spending needs, like bills or groceries. You can name each card to help you identify what they're for.

To make online payments with a virtual card, you’ll need your 16-digit card numbers, expiry date, and 3-digit security code (CVV). Unlike in-store payments, you won't need your 4-digit PIN.

To view your virtual card details (card number, expiry date, and security code), find your card in the Cards section of the app, and tap the eye icon in the upper left corner. You’ll need to verify your identity through  your passcode or biometric authentication is performed (may be omitted the second time or later) and, when authorised, the details will be displayed. Tap on information to copy it to your clipboard.

Card issuance fees and card delivery fees (in JPY)

The fees below are the latest as of 20 August 2024. All amounts stated include tax.

Plan

Standard

Premium

Metal

Subscription fee

Free

980/month or 9,800/year


1,980/month or 19,800/year

Card type

Standard

Standard

Premium

Standard

Premium

Metal

First card

Issuance fee

Free

Delivery fee (Standard delivery)

500

N/A

Delivery fee (express delivery)

2,000

Free

Customised card issuance fee

700

Free

Second card

Issuance fee

Free

6,000

Delivery fee (standard delivery)

500

N/A

Delivery fee (express delivery)

2,000

Free

Customised card issuance fee

700

Free

Third card and onwards

Issuance fee

Free

2,000

6,000

Delivery fee (standard delivery)

500

N/A

Delivery fee (express delivery)

2,000

Free

Customised card issuance fee

700

Free


Premium plan fee details

  • Your first and second Premium or Standard cards are free
  • Your third and subsequent Premium or Standard cards will cost JPY2,000
  • If you end your Premium subscription after your Premium or Standard card has been issued, and within 14 days of joining Premium, you'll be charged a fee by Revolut

Metal plan fee details

  • The number of cards issued isn't counted for each type of physical card, but by the total number of physical cards issued, regardless of the type of card
  • If you end your Metal subscription after your Metal, Premium, or Standard card have been issued, and within 14 days of joining Metal, you'll be charged a fee by Revolut
  • In the above case, you can find the fee in-app when you end your subscription

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