To dream of an ATM card represents resources or abilities that you have, but don't use all the time. Access to power or choices that can be drawn upon when needed.
Example: A man dreamed of seeing his ATM card. In waking life he was an executive manager and was considering using his rank to fire someone who was stealing from the company. The ATM card represented the unused power or freedom to fire people if he wanted to, but didn't feel the need to do all the time.