Debit card
It is a deposit access product to use your money from your bank account through debit card .It deducts the balance directly from your account, like checking account. It can be used both as ATM Card and a method of payment (instead of cash / cheques) when purchasing goods and services, in India and overseas.

Credit card
It is kind of loan or borrowing money from a bank or financial institution and get a credit period of 45 days depending on the issuer date and billing cycle,to pay back. it is also the most common mode of payment for shopping , in India and overseas