What's the difference between virtual and contactless Pockit cards?

A virtual Pockit card can be used to add to Google Pay or Apple pay, which can then be used to make in-store payments. It can also be used to make online payments, even without adding it to Google Pay or Apple Pay. A virtual card cannot be used to make ATM (cash) withdraws. 

A contactless Pockit card is a physical card that has the benefits of a regular payment card, including in-store payments, online payments, and ATM (cash) withdrawals. Contactless cards can also be added to Google Pay or Apple Pay within the app.

You don't need a Pockit card to make use of PayPoint's services.