A debit card is a payment card that allows users to access their bank accounts directly to make purchases or withdraw cash. When a transaction is made, the funds are immediately deducted from the user's account, making it a convenient way to manage spending without accumulating debt. Unlike a credit card, which allows borrowing up to a certain limit, a debit card only lets users spend what they have in their account. Debit cards can be used at various locations, including stores and ATMs, and often come with features like PIN protection for added security.