Although debit cards and credit cards look similar in appearance, there are some fundamental differences between them:
| Debit Card | Credit Card |
| Debit cards do not offer cash advances. | If a cash advance limit has been set on your card, you can withdraw cash advances. |
| Your spending is processed as a single payment. | You can pay for your purchase in installments. |
| The transaction is deducted from your account instantly. | You pay for the transaction at the earliest 10 days later and at the latest 40 days later. |
| An annual card fee is generally not charged by banks. Instead, an account maintenance fee is charged. | There is an annual card fee, but it is higher than that of a debit card. |
| Awarding points on debit cards is not a widely used practice, although some banks do support this infrastructure. | Earning points generally applies to all bank credit cards. |
| Since activity is tracked through account statements, no separate statement is issued. | A statement is issued. It is delivered physically to the address or by e-mail. |
| Since it is usually printed with a magnetic stripe, its security level is low. | Since it is printed with a chip, its security level is high. |
| The risk of being copied is high. | The risk of being copied is low. |
| Mail order and pre-authorization transactions are generally not supported by banks. | Mail order and pre-authorization transactions can be carried out. |
| Generally used at ATMs. | Generally used at POS terminals. |
| The card printing file and process are simple. | The card printing file and process are more complex. |
| Campaign eligibility is low. | Campaign eligibility is high. |
