A debit card is a payment card that allows users to access their bank accounts directly to make purchases or withdraw cash. When you use a debit card, the money is deducted immediately from your account, making it a convenient way to manage spending without accumulating debt. Debit cards can be used at various locations, including stores, restaurants, and ATMs. They often come with a Personal Identification Number (PIN) for added security. Many debit cards also offer features like online banking and rewards programs, making them a popular choice for everyday transactions.