Debit Card means Credit in your bank account, i.e. you need to have balance. The debit cards can be used to purchase items from stores, as well as to get cash. And in case you run across a non-functioning cash machine, debit cards issued by Visa or MasterCard can be used for over-the-counter cash advances(with a fee) at banks that accept those bank cards. When you use a debit card, the money you withdraw comes directly out of your account. This is great if you want to avoid paying interest, but it can be downright scary if a thief gets your card .
Credit cards work fine throughout world, although you’ll need to pay hefty interest charges if you delay on payment(around 18 - 24 percent) on your purchases.But at the same time most of wise credit card holders know how to enjoy credit without interest from 20 to 50 days. That is the good part. But still is not it better to avoid being a shopaholic.
Don’t count on charging everything with your bank card; many merchants require a minimum purchase of about Rs. 3000 - 10000 or$30. Visa and MasterCard are more widely accepted than American Express. One thing more, acceptance of card in itself may be less in underdeveloped countries and developed countries may prompt you to use credit cards more.