Debit Card Aur Credit Card Mein Kya Fark Hai?

 Yeh jaanne ke liye pehle humein samajhna hoga ki Debit Card kya hota hai aur Credit Card kya hota hai.

To sabse pehle hum jaanenge ki Debit Card kya hota hai.

Debit Card Kya Hota Hai?

Debit Card ek plastic money hai, jo cash ki tarah payment aur doosri vittiya len-den mein kaam aata hai. Isse hum online ya kisi ko bhi payment kar sakte hain. Debit Card digital payment aur cashless payment ke liye istemal kiya jaata hai.
Dbit Card aapko aapke bank account par diya jaata hai. Jab aap kisi bank mein apna account kholte hain to aap us account ke liye Debit Card le sakte hain. Bank aapko bina account ke Debit Card nahi dega, iske liye aapke paas bank account hona zaroori hota hai. Debit Card bank account se link hota hai aur Debit Card se jitne bhi transactions hote hain woh sab bank account ke thorugh hote hain. Debit Card se hone wale payments bank account mein jama paison se hota hai. Jitna bhi aap Debit Card se paise kharch karenge woh sab aapke bank account se kharch honge. Jahan kahin bhi aap Debit Card ka istemal karke payments karenge, payments ki saari raashi (amount) aapke bank account se katega. Ek tarah se Debit Card ka istemal karna Bank Account ke istemal karne ke jaisa hoga. Debit Card aapke bank account par nirbhar hota hai, jitna balance aapke bank account mein hoga aap Debit Card se utna hi kharch kar sakte hain ya istemaal kar sakte hain. Debit Card aur Credit Card dono lagbhag ek hi tarah se kaam karte hain, aur dono ke istemaal ek hi jaise hote hain. Lekin phir bhi in dono Cards mein bahut zyada fark paaye jaate hain. Dono ke istemaal aur kaam to lagbhag ek hi jaise hain lekin inke 'features' ya visheshtaayen bahut alag-alag hain.
Debit Card ko aur acchi se samajhne ke liye humen iske istemaal ke baare mein bhi jaanna padega.

Debit Card ka Istemaal

  • Debit Card ko Payment ke liye istemaal kiya jaata hai, isko hum online shopping ke payment ke liye istemaal kar sakte hain, bill ke payment ke liye istemaal kar sakte hain, ticket ki booking ke liye istemaal kar sakte hain, hotels, showroom aur mall me kharidaari ke liye istemaal kar sakte hain, recharge kar sakte hain. Aaj ke time mein digital payment ko badhava diya jaa rha hai aur cash ki jagah log bas ek Plastic ke Card se Payment karna zyada pasand karte hain. Kyunki dher saare note jeb mein lekar ghoomna kisi ko pasand nahi hota hai. Isliye cash ki jhanjhat fursat paane ke liye log Debit Card ya Credit Card jeb mein rakhte hain, jisse woh aasani se payment kar sakte hain.
  • Debit Card cash ki tarah ki bhugtaan aur vittiya len-den ke kaam mein aata hai. Aaj ke samay mein bahut saare merchants hain jo Debit Card se payment ko accept karte hain aur saath hi bahut saari companiyaan hain jo Debit Card se payment ko accept karti hain. Iske alawa sabhi e-commerce websites Debit Card dwara payment ko accept karti hain.
  • Debit Card se Cash bhi nikaal sakte hain. Debit Card ka istemaal aap ATM mein bhi kar sakte hain, yeh ATM Card ki jagah bhi istemaal kiya jata hai, isse aap ATM se paise nikaal sakte hain. 
  • Debit Card se aap kisi ko paise bhej bhi sakte hain, ya kisi ke bank account mein paise add bhi kar sakte hain.
  • Debit Card se aap kisi bhi e-wallet app ya digital wallet app mein balance add kar sakte hain. Debit Card se aap ek tarah se apna bank account access karte hain, jiski madad se aap kisi bhi tarah ka transaction kar sakte hain.
  • Debit Card ka istemaal POS machine par bhi bhugtaan ke liye kiya jaata hai.
Ab baat karte hain Credit Card ki to sabse pehle jaan lete hain ki Credit Card hota kya hai.

Credit Card Kya Hota Hai?


Credit Card bhi Debit Card ki tarah ek plastic money hai, jisko hum payment card keh sakte hain. Credit Card ka istemaal bhi payments ke liye kiya jaata hai. Credit Card se aap kisi bhi tarah ka online bhugtaan kar sakte hain. Credit Card bhi Digital Payment ka ek hissa hai. Isko aap Digital Payment ke liye cash ki jagah par kaam mein laa sakte hain. Credit Card ek tarah se cashless payment ka ek zariya hai. 
Credit Card kisi bank account se link nahi rahta hai, aur yeh sabhi ko nahi milta hai. Agar aap Credit Card ke liye eligible (yogya) hain tabhi aapko Bank Ya Credit Card company 'Credit Card' deti hai. Yeh aapko bank account par nahi milta hai, balki Credit Card ke liye aap us bank mein bhi apply kar sakte hain, jahan aapka koi account hi na ho. Credit Card ko istemaal karne ke liye aur usse paise kharch karne ke liye ya phir yeh kahen ki Credit Card se Payments aur Transactions karne ke liye aapke account mein hona zaroori nahi hai, kyunki sabse pehli baat to yeh hai ki Credit Card ka aapke bank account se koi lena-dena nahi hota hai, kyunki yeh usse link hi nahi rahta hai. Isliye Credit Card se payment karne ke liye aapko apne bank account mein balance rakhne ki koi zaroorat hi nahi hoti hai. Phir aap yeh sochenge ki phir Credit Card mein paise kahan se aate hain, aur kaise bina kisi bank account ke Credit Card kaam karta hai aur bank account mein bina balance ke Credit Card se paise kaise kharch hote hain, ya Payment kaise hota hai? Aakhir Credit Card mein balance kahan se aata hai?
Ye do sawaal aapke man mein zaroor uthenge. Asl mein Credit Card jab koi Bank ya Company kisi ko issue karti hai to uske liye vyakti ki hasiyat ke mutabik Credit Card se paise kharch karne ki limit tay hoti hai. 
Credit Card mein ek tarah se bank ya company aapko advance mein paise de deti hai, isko hum ek tarah ka udhaar bhi kah sakte hain. 
Yeh advance money ek limit mein di jaati hai, jo ki vyakti ki hasiyat ke anusaar hoti hai. Isliye Credit Card ko kisi bank account ya balance ki zaroorat nahi padti hai. Yeh bina kisi bank account ke kaam karta hai. Credit ka matlab hi hota hai 'dhan jama hona' isliye jab kisi ko Credit Card issue kiya jaata hai to uske liye pehle se hi dhan jama ho jata hai jisko woh apne Credit Card se kharch kar sakta hai.
Credit Card mein paise kharch karne ki ek limit hoti hai agar koi limit se zyada paise kharch karta hai to over limit ke liye interest charge dena hoga.
Credit Card mein bank aapko ek tarah se paise de deta hai, jisko aap apne Credit Card se kharch karte hain. Aur phir woh paise aapko bank ko ek fix time ke beech mein bank ko lautaana padta hai. 
Jab aap Credit Card se paise kharch lete hain to maheene mein ek fix din ko aapko Credit Card ka bill aata hai, jiska aapko payment karna hota hai.
Maheene mein aap jitna bhi Credit Card se paise kharch karenge uska bill aapke paas bhej diya jaayega jiska payment aapko ek seemit samay ke andar karna hota hai.
Zyadatar Bank aapko Credit Card ke bill ke payment ke liye 50 din ka time dete hain aapko is 50 din ke andar hi apne Credit Card ke bill ka bhugtaan karna hota hai. Agar aap late karte hain uski fees aur charge aapko dena hoga.
Credit Card ki bill aapke paas late bhi pahuch sakti hai, isliye aapko khud hi dhyaan dena hoga ki 50 dino ke andar aapke Credit Card ke bill ka bhugtaan ho jaana chahiye.
Credit Card har vyakti ko nahi mil sakta hai. Credit Card zyadatar un logon ko hi mil paata hai jo vetanbhogi (salaried person) hote hain, jinko har maheene salary milti ho, ya phir self employed hon, ya khud ka koi business ho. Asl mein bank vyakti ki income dekhkar hi Credit Card jaari karta hai. Aur isliye Credit Card apply karne ke liye bank salary slip maangta hai. 


Credit Card ka Istemaal

Credit Card bhi Debit Card ki tarah payments aur doosre vittiya len-den ke liye istemaal kiya jaata hai.
  • Credit Card ko Payment ke liye istemaal kiya jaata hai, isko hum online shopping ke payment ke liye istemaal kar sakte hain, bill ke payment ke liye istemaal kar sakte hain, ticket ki booking ke liye istemaal kar sakte hain, hotels, showroom aur mall me kharidaari ke liye istemaal kar sakte hain, recharge kar sakte hain. Aaj ke time mein digital payment ko badhava diya jaa rha hai aur cash ki jagah log bas ek Plastic ke Card se Payment karna zyada pasand karte hain. Kyunki dher saare note jeb mein lekar ghoomna kisi ko pasand nahi hota hai. Isliye cash ki jhanjhat fursat paane ke liye log Debit Card ya Credit Card jeb mein rakhte hain, jisse woh aasani se payment kar sakte hain.
  • Credit Card cash ki tarah hi bhugtaan aur vittiya len-den ke kaam mein aata hai. Aaj ke samay mein bahut saare merchants hain jo Credit Card se payment ko accept karte hain aur saath hi bahut saari companiyaan hain jo Credit Card se payment ko accept karti hain. Iske alawa sabhi e-commerce websites Credit Card dwara payment ko accept karti hain.
  • Credit Card se Cash bhi nikaal sakte hain. Lekin aisa karna nahi chahiye kyunki iska bahut zyada charge aur us par interest lag sakta hai.
  • Credit Card se aap kisi ko paise bhej bhi sakte hain, ya kisi ke bank account mein paise add bhi kar sakte hain.
  • Credit Card se aap kisi bhi e-wallet app ya digital wallet app mein balance add kar sakte hain. 
  • Credit Card ka istemaal POS machine par bhi bhugtaan ke liye kiya jaata hai.

Debit Card Aur Credit Card Mein Kya Fark Hota Hai?

Debit Card aur Credit Card ke baare mein jaanne ke baad aapko inke fark (difference) ka pata chal gya hoga, lekin hum aapko explain karke inke fark ko samjhaayenge.


  • Debit Card paane ke liye aapko bank account ki zaroorat padti hai.
  • Debit Card aapke bank account se link hota hai.
  • Debit Card se bank account ko access kiya jaa sakta hai.
  • Debit Card se payment karne par ya paise kharch karne par bank account se paise debit hote hain, yaani bank account se paise kat te hain.
  • Debit Card se aap apna bank account access karte hain.
  • Debit Card se transactions aur payments karne ke liye aapke bank account mein balance hona zaroori hai.
  • Debit Card se aap utne hi paise kharch kar sakte hain, jitne aapke bank account mein hai.
  • Debit Card kisi bhi bank accoun holder ko mil sakta hai, jis vyakti ka bhi kisi bank mein khaata ho woh us bank se Debit Card le sakta hai.
  • Debit Card ko ATM Card ki tarah istemaal kiya jaa sakta hai aur ATM se paise nikaale jaa sakte hain.
  • Debit Card aisa Card hai, jismein aapko pehle apne bank account mein paise jama karne hote hain, phir aap usko apne Debit Card se kharch kar sakte hain. Jaisa ki iske naam se hi pata chalta hai 'Debit' jab bank paise nikaale jaate hain to usko 'Debit' bola jaata hai. 
  • Credit Card ke liye bank account ki zaroorat nahi hoti hai.
  • Credit Card Bank account se link nahi hota hai.
  • Credit Card se payment karne par bank account se paise nahi kat te hain.
  • Credit Card ek tarah ka loan hota hai, jo bank ki taraf se diya jaata hai.
  • Credit Card mein paise kharch karne ki limit di jaati hai jo credit score se tay ki jaati hai. Lekin Credit Card se limit se zyada bhi kharch kiya jaa sakta hai magar uske liye charge lagega.
  • Credit Card ek aisa card hai, jismein aapko bina bank mein paise jama kiye Card se paise kharch (Transaction) kar sakte hain.
  • Credit Card ke naam se hi pata chalta hai ki is card ki kya khasiyat hai, 'Credit' jab bank account mein paise aate hain to usko 'Credit' kaha jaata hai. Credit Card mein humen pehle hi paise mile hote hain, jabki Debit Card mein aapko apne account mein paise daalne hote hain.
  • Credit Card chunki ek udhaar ki tarah se hota hai, isliye jab aap Credit Card se paise kharch karte hain to baad mein aapko bank ko woh paise chukaane padte hain. Jiske liye aapko Credit Card ki bill ka bhugtaan karna hota hai, jo Credit Card se paise kharch karne par aati hai. Jabki Debit Card mein aisa kuch nahi hota hai.
  • Credit Card ki har maheene bill aati hai, jiska payment aapko ek fixed time ke andar karna hota hai, zyadatar yeh time 50 din ka hota hai aapko 50 din ke andar hi Credit Card ke bill ka peyment karna hota hai. Jitna aap Credit Card se paise kharch karte hain woh aap Credit Card ki bill ka bhugtaan karke bank ko lauta dete hain.
  • Credit Card Debit Card ki tarah har vyakti nahi le sakta hai, iske liye vyakti ko eligible (yogya) hona chahiye. Bank aapke documents ka verification karke hi Credit Card issue karta hai. Iske liye aapka vetanbhogi (salaried person) ya self employed jaise business wagaira ka hona zaroori hai.
  • Credit Card Sabhi bank account holder ko nahi milta hai. Balki Credit Card bank unhin logon ko jaari karta hai jo job karte hon ya business ya unko koi aur source of income ho, jisse unko har maheene ki kamai milti ho. 
  • Credit Card ko ATM Card ki tarah ATM se paise nikaalne ke liye kaam mein nahi laaya jaa sakta hai, halaanki Credit Card se bhi Debit Card ki tarah ATM se cash withdraw ho jaata hai, lekin Credit Card se ATM se cash nikaalne par aapko penalty deni hogi, jo bahut zyada hoti hai.
  • Credit Card mein paise kharch karne ki jo limit hoti usse zyada bhi kharch kiye jaa sakte hain, lekin over limit ka charge aapko dena padega jo ki bahut zyada hota hai. Jabki Debit Card mein aisa nahi hai, jitna balance aapke bank account mein hai aap Debit Card se utna hi kharch kar sakte hain.
yeh the Debit Card aur Credit Card mein fark, waise Credit Card aur Debit Card dikhne mein ek hi jaise dikhte hain aur inke use bhi lagbhag same hi hain. Lekin inke features alag-alag hain.