A debit card is a payment card that allows you to access the money in your bank account directly. When you use a debit card to make a purchase, the money is instantly deducted from your account, making it a convenient way to pay for everyday items without carrying cash. Unlike a credit card, which lets you borrow money up to a certain limit, a debit card only lets you spend what you have in your account. This helps you manage your finances better and avoid debt, as you can't overspend beyond your available balance.