Physical CC can be used by anyone holding it or actually just standing close.

Contactless payment with phone only after the phone is unlocked().

Physical card contactless payments have a limit (don't remember it) after which you have to use it with pin. At least all mine. Boring. Payments with apple/hoogle/Garmin have higher transaction limit.

I could probably go on longer but these are for me.

() I know it can be done without, but it also can be done with.