A debit card is a plastic card similar to a credit card. However, unlike a credit card, the card is attached to a cheque or savings account and can only to be used to spend money already held within that savings account. This means that the user cannot spend more money than they already have.
Debit cards can be a useful alternative to credit cards, as they allow the user to access the same payment facilities (ie EFTPOS) but do not run the risk of the holder of the card running up large debts, as can occur with a credit card.
Most Australian banks have various types of debit cards linked to their cheque or savings accounts.