Last updated: 21 August 2026
Key Difference
| Feature | Credit Card | Debit Card. Whose money: the bank's (credit) | yours (balance). Interest: 24–48% (on carry) | none. Rewards: cashback/points | few or none. Credit score: builds | no effect. Fraud protection: strong (0 liability) | medium |
|---|
When Credit Card Wins
- Rewards/cashback kamana ho
- Credit score build karna ho
- 45-din free credit
- Fraud protection best
When Debit Card Wins
- Overspending discipline problem
- Debt ka darr
- Interest se bachna
Verdict
Disciplined log credit card lete hain (rewards + score + protection). Impulsive spenders debit card. Statement ko Excel me track karke control Keep.
Frequently Asked Questions
Q: Which is safer?
A: Credit card — fraud par 0-liability. Debit me aapka paisa direct nikalta hai.
Q: Do debit cards build credit?
A: No — only credit cards and loans build the score.
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