Debit card
Debit cards are extremely useful and convenient because it frees us from the stress of carrying a heavy wallet in cash, a checkbook and yet gives us the freedom to have free access to your money through ATMs and Pass the card in to commercial stores instead of paying for cash. Related to the cardholder's bank account, debit cards are ideal for quick and hassle-free use.
As soon as you charge a purchase (online or offline) to your debit card (by passing it or entering the details of the card online), the same amount is charged to your bank account. You also receive SMS and email alerts for it to help you keep track of your expenses. These alerts also depend on the services provided by your issuing bank / card.
Credit card
Credit cards on the other hand operate differently. It's more like offering you a line of credit. In simple words it is more like you are getting a loan, that is, you need to buy / spend on something this month and you do not have money to do it, hence you charge that expense to your credit card (without having to pay money from your wallet or account at that very moment. But the same amount is charged to your credit card bill generated the next month and that is when you have to pay that amount out of your own pocket. Failing to pay your credit card bill in time leads to accrual of interest, late payment rate and poor credit rating.
While a debit card is linked to your bank account, the credit card is linked to the bank that issued the card to you. When you use your credit card for a transaction, technically at that time the bank is paying for it and it goes into debt to the bank to erase that amount each time the invoice is generated.
Most users will feel that the debit card is not only more convenient but less stressful as it allows you to move within your financial capabilities without accumulating and debt or interest in the future. It relieves yourself of a great deal of stress, getting into a debt cycle and overspending. Using a credit card is tempting because you can spend a lot more than you have the money but the back end is that you end up being under the burden of clearing the debt / loan over time. In addition, there are plenty of places in India that accept only cash payments and the debit card allows you to conveniently withdraw cash from ATMs.