I currently don't have an ATM card because the one I was given when I opened my account in Pattaya via agent was a Union Pay card that I never liked and came with a ฿599 renewal fee so I ditched it.
Cardless Cash has served me well so far however I'll be getting a cheaper ATM card was soon as I get around to it as it's always good to have a fallback option. Or two, multiple redundancy never hurt anybody.