Debit Card Kya Hai? | Benefits | Types

Debit Card Kya Hai? – Aaj ke tez dour mein, paise ke len-den ka tarika aur bhi saral aur prabhavi ho gaya hai. Vibhinn bhugtan vidhiyon mein se ek debit card aaj kal bahut lokpriya aur vyapak istemal kiya jane wala hai.

Debit card vyaktiyon ko unke funds tak pahunchane aur unhe sambhalne ka ek surakshit aur aasaan tarika pradan karta hai.

Is lekh ka uddeshya hai debit card ke bare mein sahi samajh pradan karna, iske kaise kaam karte hain, unke labh aur mukhya gunvatta jo isko aaj ke banking ke bhaag ka avashyak hissa banate hain.

Debit Card Kya Hai? | What Is Debit Card In Hindi?

Debit card ek aisa bhugtan card hai jo ek vyakti ko ek bank dvaara jari kiya jata hai, jise aam taur par ek checking ya bachat khate se joda jata hai, aur jisse vyakti vyapar kar sakta hai aur nakad rashi nikal sakta hai elektronik roop se.

Credit card ke vipareet, debit card upyogkar ko paise vyayit karne ki anumati deta hai jo unke bank khate mein pehle se maujood hote hain, jisse ye nakad ke liye saral vikalp ban jate hain.

Debit card bahut jagah manyata prapt kar chuke hain aur inhe dukanon mein aur online len-den ke liye istemal kiya ja sakta hai, jisse vyakti ko aaramdaayak kharidari ka anubhav hota hai.

Debit Card Kaam Kaise Karta Hai ? | How Does Debit Card Work?

Debit card ka upyog karne ke liye, vyakti ko pehle ek bank khata kholna hota hai ek bank dvaara. Bank phir debit card jari karta hai jo us khate se juda hota hai.

Kharidari karne par, cardholder apna card point-of-sale (POS) terminal mein swipe ya insert karta hai, apna personal identification number (PIN) enter karta hai aur yeh vyavahar sampann ho jata hai.

Kharidari ki rashi seedhe linked bank khate se kata jata hai aur yeh badhaya gaya balance turant pradarshit hota hai.

Iske alawa, debit card ko Automated Teller Machines (ATMs) par nakad rashi nikalne ke liye istemal kiya ja sakta hai. aur Debit card ko dusra name Automatic Teller Machine Yani ki ATM bhi kahte hain.

Cardholder debit card ko daal kar, apna PIN enter karke aur maang ki gayi rashi chun kar dhan prapt kar sakta hai. Nikali gayi rashi linked khate mein maujood uplabdh balance se ghata di jati hai.

Debit Card Ka Kya Kaam Hota Hai?

Debit card ka kaam hai aapko vyaparik avsar mein sahayata karna aur aapki vittiy sambandhit zarooraton ko pura karne mein madad karna.

Yeh aapko aapke bank khate se juda hota hai aur aapko aapke khate se paise nikalne aur kharidari karne ki anumati deta hai. Jab aap debit card ka istemal karte hai, toh transaction ka paisa turant aapke khate se kat jata hai.

Debit card ke dwara aap kisi bhi prakar ki kharidari kar sakte hai, jaise ki dukaane mein shopping karna, online kharidari karna, ATM se nakad rashi nikalna, aur bhi anek avsar hai.

Iske alawa, debit card ko aap international transactions mein bhi istemal kar sakte hai, jahan aapko videshi mudra mein vyapar karne ki zaroorat hoti hai.

Debit card ka upyog aapko vyay ko niyantrit karne mein bhi sahayata karta hai. Kyunki yeh aapke khate se hi paisa kaat deta hai, isliye aap sirf woh rashi kharch kar sakte hai jo aapke khate mein available hai. Isse aap apne khud ke arthik seemaon ko samjh sakte hai aur apne vyay ko surakshit rakh sakte hai.

Debit card ke istemal se aapko bina nakad rashi lekar aur chek likhe bina bhi transaction karne ki suvidha milti hai. Yeh aapko aaram aur saralata pradan karta hai aur aapko bina lambi line mein khade hone ki zaroorat nahi hoti hai.

Debit Card Ke Labh | Benefits Of Debit Card

Debit card vyaktiyon aur vyapar ke liye kai labh pradan karta hai. Pehle toh, yeh ek saral aur surakshit bhugtan tarika hai, jo bade maatra mein nakad rashi saath le jane ki jarurat ko khatm kar deta hai.

Debit card vyaktiyon ko vyavaharik records bhi pradan karta hai, jisse vyakti aasaani se apne vyay vyavastha ko track kar sakte hain aur apne niji vitt sudhar sakte hain.

Iske alawa, debit card ko vishwa bhar mein vyapak roop se manyata prapt hai, jisse vyakti duniya bhar mein kharidari kar sakta hai aur nakad rashi prapt kar sakta hai.

Debit card mein suraksha ke gunvatta bhi hai. Chip-enabled card ke aagaman se dhokadhadi aur nakli vyavaharon ki khatra kafi kam ho gaya hai.

Iske alawa, kayi bank zero-liability neeti pradan karte hain, jisse cardholder anathorised vyavaharon ke liye jimmedar nahi hote hain.

Debit Card Ke Prakar | Types Of Debit Card In Hindi

Bazaar mein vibhinn prakar ke debit cards moujood hain, har ek ke apne alag gun aur labh hai. Is lekh ka uddeshya hai debit cards ke alag prakar, jaise standard debit cards, prepaid debit cards, rewards debit cards, aur contactless debit cards, ke bare mein ek saral samjhauta pradan karna.

In cards ke beech ke antar ko samajhna vyaktiyon ko unke vittiy avashyaktaon aur pasand ke anusar sahi chunav karne mein madad karega.

Standard Debit Cards

Standard debit cards, jo aam taur par basic debit cards ke naam se jaane jate hain, yeh sabse adhik jari kiye jane wale debit cards hote hain.

Ye cards ek checking ya bachat khate se judte hain, jisse vyakti vyapar karne aur nakad rashi nikalne ke liye unke uplabdh funds ka upyog kar sakte hain.

Standard debit cards mein vyavahar ek PIN enter karke ya ek receipt par hastakshar karke sampann hota hai aur rashi seedhe judi hui khate se kat jati hai.

Yeh nakad rashi ke liye ek saral vikalp pradan karte hain aur inhe dukanon mein aur online vyapar ke liye istemal kiya ja sakta hai.

Prepaid Debit Cards

Prepaid debit cards wo card hote hain jo upyogkarta ko unke vyay ke liye card par paise bharna padta hai, uske baad hi vyay karne ya nakad rashi nikalne ke liye ise istemal kiya jata hai.

Ye cards seedhe bank khate se judte nahi hain, jisse vyakti ko unke vyay par adhik niyantran milta hai. Prepaid debit cards vishesh roop se budget banane ya jinke paas parmparaik banking sambandh nahi hai ke liye upyogi hote hain.

Inhe jarurat ke anusar aasani se punha paise se bharaya ja sakta hai aur kuch prepaid cards mein bill bhugtan aur ATM ka upyog jaise suvidhayein bhi uplabdh hoti hain.

Rewards Debit Cards

Rewards debit cards ka udeshya vyakti ko unke vyay ke liye adhik prabelh pradan karna hota hai. Ye cards rewards programs pradan karte hain, jisme vyakti kuch vishesh vyavaharon ke liye point, cashback ya anya labh kamate hain.

In rewards ko travel discounts, gift cards, saman ya linked khate mein punha jama karne ke liye istemal kiya ja sakta hai.

Rewards debit cards un vyaktiyon ke liye uttam chunav hote hain jo apne debit cards ko rojmarra ke vyay ke liye adhiktar istemal karte hain aur unke labh ko adhikatam banana chahte hain.

Contactless Debit Cards

Contactless debit cards, jinhe tap-and-go ya Near Field Communication (NFC) cards ke naam se bhi jana jata hai, apne aasaan aur surakshit gunvatta ke karan prasiddh hote hain.

Ye cards embedded takniki ka upyog karke samay bachate hue aur suraksha ko badhate hue vyakti ko sirf card ko contactless-enabled terminal par tap karke bhugtan karne ki suvidha pradan karte hain.

Contactless debit cards dwara swipe, insert ya PIN enter karne ki jarurat nahi hoti hai, jisse bhugtan ki prakriya teji se aur bina rukawat ke sampann ho jati hai.

Ye transaction ke samay cardholder ki jaankari ko surakshit rakhne ke liye encryption aur tokenization jaise suraksha gunvatta bhi uplabdh karte hain.

Debit Card Kahan Se Banta Hai?

Aap debit card prapt karne ke liye kai jagahon par ja sakte hain. Niche diye gaye tareeke aapko debit card pradan karne mein madad karenge:

  1. Bank: Aap apne bank mein ja kar debit card ke liye aavedan kar sakte hain. Agar aapke paas pahle se hi bank khata hai, toh aap bank se seedhe debit card prapt kar sakte hain. Agar aapke paas koi khata nahi hai, toh aap bank mein khata kholkar debit card prapt kar sakte hain.
  2. Online Banking: Agar aapka bank online banking suvidha pradan karta hai, toh aap online banking ke madhyam se bhi debit card ke liye aavedan kar sakte hain. Aap bank ki website ya mobile banking app ka upyog karke debit card ke liye aavedan kar sakte hain.
  3. Payment Service Providers: Vibhinn payment service providers jaise PayPal, Paytm, PhonePe, aur Google Pay bhi debit card pradan karte hain. Aap in platforms par ek account khole aur unke diye gaye instructions ke anusar debit card prapt kar sakte hain.
  4. Co-operative Societies: Kuch co-operative societies aur credit unions bhi debit card pradan karte hain. Agar aapke pas koi co-operative society ke sadasyata hai, toh aap wahan ja kar debit card ke liye aavedan kar sakte hain.
  5. Prepaid Card Providers: Prepaid card providers jaise Gift Card issuers aur prepaid card companies bhi debit card pradan karte hain. Aap in companies se prepaid debit card kharid kar debit card ki suvidha ka labh utha sakte hain.

Debit card prapt karne se pahle, apne zaroorat aur pasand ke anusar alag bankon aur providers ke offers, sharten aur fees ka janch karna avashyak hai.

Debit Card And Credit Card Difference In Hindi

Debit card aur credit card aaj kal istemal kiye jane wale do pramukh vittiy upkaran hain, jo vyaktiyon ko kharidari karne aur unke vittiy prabandhan ko aasan banane ka madhyam pradan karte hain.

Lekin in dono cards ka istemal alag tarike se hota hai aur unmein vishesh gun hote hain. Is lekh ka uddeshya hai debit card aur credit card ke antar par vistar se charcha karna.

Ham debit card aur credit card ki paribhasha, kaise kaam karte hain, funds ka srot, vyay seema, byaj dand, anaitik len-den ke liye jimmedari, aur credit score par prabhav ko samajhenge.

In antar ko samajhkar vyakti apne vittiy avashyaktaon aur lakshyon ke anusar sahi card ka chunav kar sakte hain.

Definition And Work

Debit card wah plastic card hai jo bank ya vittiy sanstha dvara pradan kiya jata hai aur seedhe vyakti ke checking ya bachat khate se juda hota hai.

Jab debit card kisi kharidari ke liye istemal hota hai, toh funds turant judi hui khate se ghata diye jate hain.

Yeh vyakti ko unke khate mein maujood paiso ka vyay karne ki anumati deta hai, jaisa ki chek likhna ya nakad rashi nikalna hota hai.

Credit card, doosri taraf, vyakti ko ek nirdharit credit seema tak rupaya udhaar lene ki anumati deta hai. Jab credit card kisi kharidari ke liye istemal hota hai, toh vyakti pratidinik byaj par udhaar leta hai.

Udhaar liye gaye rashi ko vyakti ko nishchit samay avadhi ke andar puri tarah se ya minimum byaj dene ke madhyam se chukana hota hai.

Funds ka Srot

Debit card mein vyay ke liye istemal kiye jane wale funds seedhe bank khate se prapt hote hain. Yeh vyakti ko unke khate mein maujood funds tak turant pahunchate hain, jisse vyakti apne vittiy seema ke andar hi vyay kar sake.

Credit card mein vyay ke liye istemal kiye jane wale funds seedhe bank khate se nahi jude hote hain. Iske bajaye, credit card vittiy sanstha dwara vyakti ko ek nirdharit credit seema tak udhaar pradan karta hai.

Credit card ka byora vyakti ko wahi rashi dikhati hai jo vyakti udhaar liye hue rashi ko chukane ke liye uttaradhikar hai.

Vyay Seema

Debit card mein vyay seema aksar vyakti ke jude hue khate mein maujood funds ke aadhar par hoti hai. Vyakti sirf wahi rashi vyay kar sakta hai jo unke khate mein available hai.

Agar khate mein paryapt funds nahi hai, toh vyavahar ya to mana kar diya jata hai ya phir overdraft karne par dand lag sakta hai, yeh bank ke nirdharit niyamon par nirbhar karta hai.

Credit card mein vyay seema vyakti ke dvara availed ki gayi credit seema par nirbhar karti hai. Yeh seema vyakti dvara udhaar liye jane wale rashi ko darshati hai.

Credit card dvara vyakti ko vyay seema tak chunauti di jati hai, lekin is seema ko paar karne par overdraft dand ya jurmana lag sakta hai.

Byaj Dand

Debit card par aam taur par byaj dand nahi lagta hai kyun ki funds seedhe khate se ghata diye jate hain.

Lekin agar kabhi overdraft hota hai aur bank transaction ko cover karti hai, toh bank dwara overdraft par byaj dand ya byaj lagaya ja sakta hai.

Credit card par byaj dand lag sakta hai agar vyakti samay par pura byaj bhugtan nahi karta hai. Byaj, jise Annual Percentage Rate (APR) ke naam se bhi jana jata hai, avyavrit baki rashi par lagaya jata hai aur yeh byaj credit card issuer aur vyakti ke creditworthiness par nirbhar karta hai.

Mahatvapurn baat yeh hai ki byaj dand se bachne ke liye credit card balance ko samay par pura bhugtan karna avashyak hai.

Anaitik Len-Den ke Liye Jimmedari

Debit card aur credit card ke pasandida vyakti dwara anaitik len-den ke mamle mein jimmedari ka andolan alag hota hai.

Debit card ke sath, anaurorized charges hone par jimmedari vyakti ke khate ko kitni jaldi samay par report kiya gaya hai us par nirbhar karti hai. Yadi turant report kiya jata hai, toh vyakti ki suraksha hoti hai aur jimmedari seemit hoti hai.

Credit card anaurorized charges ke khilaf adhik suraksha pradan karta hai. Fair Credit Billing Act (FCBA) credit card dharak ko jimmedari suraksha pradan karta hai aur vyakti ke liye anaurorized charges par jimmedari ko 4000 tak seemit karta hai. Aur adhikansh credit card issuer zero jimmedari neeti pradan karte hain, jisse credit card dharak anaurorized charges ke liye jimmedar nahi hota hai.

Credit Score Par Prabhav

Debit card ka istemal vyakti ke credit score par seedhe prabhav nahi dalta hai kyun ki yeh ek udhaar prakar nahi hai. Debit card ke vyavahar ko credit bureaus ko report nahi kiya jata hai.

Credit card ka istemal credit score par mahatvapurna prabhav dal sakta hai. Zimmedar vyavahar jaise ki samay par bhugtan karna aur kam credit utilization ratio ko banaye rakhna credit score par sakaratmak prabhav dal sakta hai.

Lekin byaj ki deri, adhik credit utilization, aur adhik udhaar credit card par nakaratmak prabhav dal sakta hai.

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Conclusion

Debit Card Kya Hota Hai? Or Debit Card Kya Hai? – Debit card ne vyakti ke vittiy vyavahar ka tareeka badal diya hai. Yeh vyaktiyon ko surakshit aur aasaan bhugtan tarika pradan karta hai, jisse vyakti asani se apne funds tak pahunch sakta hai.

Iski vyapak manyata, majboot suraksha gunvatta aur vyay vyavastha ko track karne ki shamta ke karan, debit card aaj ke banking ka avashyak hissa ban gaya hai.

Jaise jaise takniki pragati hoti hai, yeh sambhav hai ki debit card aage bhi badhe aur upyogkartaon ke liye aur bhi naye gunvatta pradan kare, jisse unke vittiy anubhav ko aur sudridh banaya ja sake.

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