A Disney Vacation Club Membership Card is required to use any member benefits, such as restaurant and merchandise discounts, special events, and more.
The website lists the official policy for member extras:
Effective June 3, 2021, to obtain a Disney Vacation Club Membership Card, Members must accumulate a total of at least 150 Vacation Points purchased directly from Disney Vacation Development, Inc. Disney and Concierge Collections options are not available for ownership interests not purchased directly from Disney Vacation Development, Inc. after March 21, 2011, and, effective April 4, 2016, Members who have not purchased an ownership interest directly from Disney Vacation Development, Inc. will not have access to Membership Extras.
This new point minimum is effective as of June 3rd. The minimum was raised to 125 last October, marking two increases within a 12-month period.