Why does the online ruler ask me to calibrate with a card?
Because a CSS pixel has no guaranteed physical size; a bank card in the ISO/IEC 7810 ID-1 standard always measures 85.60 mm wide, so adjusting the bar to match the card calculates your screen real PPI instead of assuming a generic value.
Does any bank card work for calibration, from any bank?
Yes: the ISO/IEC 7810 ID-1 standard fixes 85.60 mm by 53.98 mm for credit and debit cards from any bank or network, and also for most ID cards and driver licenses.
How do I calculate PPI manually after measuring the card?
Divide the card width in pixels by its real width of 85.60 mm, multiply by 25.4 mm per inch; a 323-pixel card gives 323 ÷ 85.60 × 25.4, approximately 95.8 pixels per inch.
Do I need to recalibrate if I switch monitors or change browser zoom?
Yes: switching monitors changes the panel real pixel density, and changing browser zoom changes how many CSS pixels fit on screen; both cases require measuring the card again to get the correct PPI for that moment.