Doston aap Credit Card, Debit Card Aur ATM Card ke baare me zaroor jaante honge, lekin Prepaid Card ke baare mein shayad hi aapko pata hoga. Kuch log Prepaid Card ko Debit Card jaisa samajhte hain, jabki Prepaid Card aur Debit Card do alag-alag card hain, aur ismein bahut se antar aapko dekhne ko milenge. To hum aapko bataayenge ki Prepaid Card kya hota hai, aur kaise yeh Debit Card se alag hai, yeh bhi aapko batayenge.

Prepaid Card Kya Hota Hai?


Sabse pehle hum ye samjhenge ki Prepaid Card kya hota hai, uske baad hum yeh jaan sakenge ki yeh Debit Card se kitna alag hota hai.
Prepaid Card Credit Card aur Debit Card ki tarah dikhne wala ek pastic card hota hai, jisko hum plastic money bhi kahte hain.

Credit Card aur Debit Card ki tarah ismein bhi magnetic stripe hota hai. Aur kuch-kuch Prepaid Cards mein security ke liye smart chip bhi hoti hai. Halaanki zyadatar Prepaid Cards bina smart chip wale hote hain. Prepaid Card mein bhi aapko Card Number, Card Holder Name, Card Expiry Date, CVV milta hai.
Prepaid Card se aap Credit Card aur Debit Card ki tarah kisi bhi tarah ka payment kar sakte hain. 
Ab baat karte hain ki agar yeh Debit Card ki tarah hi har jagah payment ke kaam aate hain, to ismein aur Debit Card mein kya fark hai? To aaiye inke fark ko bhi samajh lete hain.

Prepaid Card aur Debit Card Mein Fark



  • Debit Card aapko aapke bank account par milta hai, aur jab tak aapke paas bank khaata na ho aapko Debit Card nahi issue kiya jaata hai. Debit Card aapke bank account se juda hota hai, jitne bhi transactions aap Debit Card se karenge woh sab aapke bank account se honge.
  • Debit Card se aap jo paise spend karte hain, chaahe woh kisi bhi tarah ka pyment ho, jaise aap kisi shop, mall, showroom se kharidaari karte hon, ya online shopping karte hon, kisi resturant mein payment karte hon, mobile recharge karte hon, ticket book karte hon, kisi ko paise transfer karte hon, in short aap kisi bhi tarah se agar apne Debit Card se paise kharch karte hain to woh paise aapke bank account se kaate jaate hain. Iska matlab yeh hua ki jitna paisa aap apne bank account mein rakhenge utna hi aap apna Debit Card istemaal karke kharch kar paayenge.
  • Debit Card ke liye bank aapko bahut acchi security deta hai. Aur kisi bhi tarah ke fraud hone par aap bank se shikayat karke refund paa sakte hain. Chunki Debit Card aap ke bank account se link hota hai, isliye bank har hone wali jaalsaazi par nazar banaaye rakhta hai, jisse aapka bank account bhi safe rahta hai aur aapka Debit Card bhi.
  • Debit Card ko aap ATM Card ki tarah istemal kar sakte hain. Debit Card se aap ATM cash se Withdrawal (nikaasi) kar sakte hain. 
  • Prepaid Card ke liye aapke paas bank account hona zaroori nahi, bina kisi bank account ke aap Prepaid Card paa sakte hain. Prepaid Card kisi bank account se nahi juda hota hai. Bahut se e-wallet app hain jo Prepaid Card issue karte hain, iske alawa bahut se bank bhi hain jo is tarah ke Prepaid Card dete hain. 
  • Prepaid Card chunki kisi bank account se link nahi hota hai, isliye isko istemaal karne ke liye ya isse payment karne ke liye, ya yeh kahen ki isse paise kharch karne ke liye aapko pehle ismein fund add karna padta hai. Ek tarah se Prepaid Card ko Debit Card ka alternative samjha jaa sakta hai. Aap Prepaid Card mein jitna paisa load karenge utna aap kharch kar sakte hain. 
  • Prepaid Card mein aapko acchi security nahi milti hai. Debit Card mein Debit Card aapke bank khaate se juda hota hai, aur agar koi fraud hota hai to usse aapke bank khaate ki suraksha khatre mein aa sakti hai, isliye bank aapke khaate ki suraksha ke liye Debit Card mein acchi security deta hai. Jabki Prepaid Card ka bank khaate se koi matlab hi nahi hota hai, isliye iski security par khaas dhyaan nahi diya jaata hai.
  • Prepaid Card se aap bhale hi Debit Card ki tarah har tarah ke payment aur transactions hote hon, lekin bahut se Prepaid Card se ATM se cash withdraw nahi kiye jaa sakte hain. Prepaid card se aap POS Machine par online payment kar sakte hain. Lekin bahut se Prepaid Card ATM se paise nahi nikaal sakte hain. Jin Prepaid Cards se ATM se paise nikaale jaa sakte hain unpar bhi paise nikaalne ki ek limit hai, aur aap usse zyada paise nahi nikaal sakte hain.
  • Prepaid Card mein fund add karne ki limit hoti hai, halaanki kuch prepaid card mein yeh limit nahin hoti hai.  
Ab aapko Prepaid Card ke baare mein jaankaari bhi ho gai hogi aur Debit Card aur Prepaid Card ke fark ka bhi pata chal gya hoga.
Prepaid Card asl me Prepaid Number ke jaisa hota hai, ya yeh kahen ki Prepaid SIM card ki tarah hota hai, jismein outgoin call seva paane ke liye aapko pehle recharge karana padta hai. Bilkul usi tarah Prepaid Card ko istemal karne ke liye pehle aapko isko recharge karna padta hai, aur uske liye aap ismein fund add kar sakte hain.
Prepaid Card ko hum Debit Card ka alternative maan sakte hain, kyunki Prepaid Card bhi Debit Card ki tarah hi Payment aur Transactions ka kaam karta hai. Aur jis tarah Debit Card ko istemaal karne ke liye aapke bank account mein balance hona zaroori hai, usi tarah Prepaid Card ko istemaal karne ke liye bhi Prepaid Card mein fund/balance hona zaroori hai.