Getting a new card is simple! You have two options: you can order a card when setting up a new user, or, you can request one later through the cards menu. Either way, the process is designed to be quick and hassle-free.
On this page:
Physical and virtual cards
Learn the key differences between Budgetly physical and virtual cards, including when to use each one.
What’s the difference?
| Feature | Virtual card | Physical card |
|---|---|---|
| Format | Digital only. | Plastic card mailed to you |
| Use | Online purchases (in-store tap only) | In-store (tap or insert) and online |
| Delivery | Instantly available in-app | Delivered in 7–10 business days |
| Security | Safer for online use – easy to freeze | Can be lost or stolen physically |
Benefits of virtual cards
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Available immediately after issue – no waiting for delivery.
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Great for online purchases or subscriptions.
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Can be frozen or cancelled instantly through the app.
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No risk of physical loss or theft.
Benefits of physical cards
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Allows in-store purchases via tap, insert, or swipe.
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Ideal for staff who regularly shop in person.
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Can be used where online-only cards aren’t accepted (e.g. some transport terminals or in-store terminals needing physical tap).
Things to keep in mind
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Virtual cards can’t be used at physical terminals unless added to a mobile wallet (e.g. Apple Pay, Google Pay).
- Click the
icon to view the card details for virtual cards. -
Physical cards take time to arrive and may need to be reissued if lost.
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Both card types can be managed via the Budgetly mobile app.
How to issue a card
From the menu on the left, click Cards and then click the New card button, located at the top right.
- Choose the Card holder.
- Select a Virtual or Physical card.
- Card information:
- Line 1 - Enter the name displayed on the card.
- Line 2 - Enter additional information.
- Click the Request card button.
When choosing a physical card, you'll need to select an existing delivery address or choose Add new from the drop-down box to manually enter a new one. We recommend selecting Express post for faster delivery—your card will arrive sooner, and you’ll receive an Auspost tracking link within the card's details page, usually within 24 hours.
For more information on cards, check out our Card FAQs.