Difference Between ATM Card and Debit Card

We often use the words ATM Card and debit card interchangeably. But if you are wondering ‘is debit card and ATM Card same’, keep reading to know. 

What is an ATM Card?

Here are some of the salient features of ATM cards -

What is a Debit Card?

Now let’s define debit cards. The following points will are what describe a debit card-

ATM Card vs Debit Card

So, ‘is ATM Card and debit card same’? The answer is ‘no’. A debit card can be used as an ATM Card but not vice versa. A debit card comes with many more functions as compared to an ATM Card. 


Even though both are cards issued by your bank, an ATM Card and a debit card have a lot of dissimilarities. A debit card has many more advantages and functional purposes as compared to an ATM Card. 

So, ATM Card vs debit card, which one is perfect for you? 

It completely depends on your requirements, thus you should opt for the one which suits your lifestyle best!

ATM Card vs Debit Card - FAQs

No, the debit card and ATM Card are not the same. You can use your debit card as an ATM card but not the other way round.

The functions of an ATM Card and debit card overlap at times but the main difference is that a debit card can be used to make payments and for internet banking services. This cannot be done with an ATM card. 

Yes, you can use your debit card just as an ATM card to withdraw cash from ATMs.

Yes, a debit card also has a PIN. For safety purposes, you are advised to not share your PIN with anyone.

If you have lost your debit card, you must inform your bank branch immediately. You can request your bank to block your card, and then request for a new card.

Yes, it is a simple process to reset or generate your ATM card PIN. You can do it at any ATM, if you have your registered mobile number with you. Some banks even let you do it over phone, SMS banking, or internet banking.


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