To send a vCard using PHP and SMS, you can follow this tutorial. First, create a project directory structure and install the required dependencies, including sabre/vobject, Twilio's PHP Helper Library, and PHP dotenv. Set environment variables for your Twilio account SID, Auth Token, phone number, ngrok URL, and your own phone number. Write a PHP code that creates a vCard object with the contact's details, saves it to a file, and sends an SMS with the attachment using Twilio's API. The code also handles file attachments, size limitations, and sending multiple attachments. Test the application by running the PHP script and ngrok, then test the SMS functionality by clicking on the link in your phone's browser.