Jankari

Debit और Credit Card क्या है? इन दोनों में क्या अंतर है, पूरी जानकारी

Debit और Credit Card क्या है
Written by Writer Team

Debit Card Aur Credit Card Kya Hai:- Hello Friends, Kya aapke man me Debit Card aur Credit Card kya hai isko lekar koyi confusion hai to is post me aap sabhi ko confusion dur ho jayega. Kyonki is post me aap sabhi ko Debit Card aur Credit Card kya hai iske bare me puri jankari diya ja raha hai.

To ham sabhi jante hain ki kuchh din pahle jab note bandi ke bad logo ke pass cash nahi hone ke karan koyi saman lena hota tha lekin use khridane ke liye cash nahi hote the.

To cash ke smasya se bachne ke liye Government ne digital payment start kiya aur iska silsila har jagha badhne laga. Aur iska fiyada bahut se logo ko hua, Kyonki pocket me cash le jane ki problem dur ho gyi. Aur is se yah hua ki ham kahi bhi digital payment ke jariye shopping kar sakte hain.

Digital payment karne ke liye jaruri chij hoti hai ki aapka khata bank me hona chahiye nahi to aap degital payment nahi kar sakte hain. Kyonki iske dwara payment karne me bank se hi paise aate hain. Jab ham apana bank me kahta khulbalte hain to ek pasltic card deta hai jiska upyog ham kisi bhi ATM Machine me kar sakte hain. Is ATM Card ko hi Debit Card kahte hain.

To ab sabal yaha hai ki ham dono Card ko ek hi kaam degital payment ke liye karte hain lekin in dono Card ke bich antar kya hai. Yadi ye dono Card ek hi kaam ke liye istemal kiya jata hai to ham dono ko kyo istemal karte hain, Kisi ek ko kyo nahi. Jiske bare me aap niche se jankari prapt kar sakte hain.

Credit Card And Debit Card Ke Bare Me Jankari

Credit Card Aur Debit Card ke bare me aap sabhi to jante hi honge aur iska use bhi karte honge. Kya aapne Debit Card aur Credit Card ke antar ke bare me jante hain. Yadi aap nahi jante hain to aap is post ki madad se iske bare me jankari prapt kar sakte hain.

क्रेडिट कार्ड क्या है – What is Credit Card In Hindi

Ab sabal yah hai ki Credit Card kya hota hai, Baut saare log iske bare me nahi bhi jante honge. To bata den ki Credit Card ek ek aisa Card hai jiske dwara kisi bhi byakti koyi bhi chij kharid skate hain aur iske dwara apna payment kar sakte hain.

Agar ham kahe to Debit Card ki tarah Credit Card kisi bhi bank acount se juda hua nahi rahta hai. Ye Card aako kisi Financial Institution ya Bank se milta hai jo logo ko Loan pradan karte hain. Aur bo kuchh precent interest rate bhi unse payment karte samay lete hain. To Credit Card lene ka fiyada bahi hota hai.

Aur yadi ham online payment, shoping aur fund transfer karne ke liye karte hain to hame Debit Card ka use karna hota hai. Lekin ham Credit Card ka use ATM Machine se paise nikalane ke liye nahi kar sakte hain.

Bata den ki iska main karan yah hai ki bina kisi bank account ke hamare pass Credit Card hota hai, Jiske jariye ham paise kharch karte hain. Aur bo paise hame bank ya ek Financial Institution Loan ke roop me paise provide karta hai.

Credit Card se paise use karne ki ek limit hoti hai yani ki jo bank aapko provide karta hai. Aur bank ke dwara pahle se hi paise ki limit set kiya hota hai. Jise ki 1 month ke liye 100000 rupaye ki lemit ho sakti hai. Aur kuchh Credit Card me Paise ki limit kam hoti hai, lagbhag 20000 se 25000 ke bich hota hai.

Bank ye limit aapke business aur earnings ko dekh kar usi prakar se tay karti hai jisse ki aap unse liye gye loan chuka pane ki ability rakhte hain.

Agar aap limit ke andar hi Credit Card se paise kharch kar sakte hain to mahina me, ya phir jab bank aapko date diya jata hai ki har month me is date ko aapko saare paise chukane hai jitna aapne Credit Card se use kiya hai. Aur aap apne paise us bakt par nahi chuka paye to aapko kharch kiye huye paise ke saath fine bhi bharna pad sakta hai.

Credit Card Kitne Prakar Ke Hote Hain.

Bata den ki sabhi logo ko ek saman Credit Card ki jarurat nahi hoti hai. Aur logo ko unke jarurat ke anusar hi Credit Card lena chahiye. Jaha kuchh ko shopping karna psand hai to kuchh ko travelling karna hota hai.

Isliye aaj ke customer ke liye centric market me banks aur financial institution ne isliye ek badhiya solution nikala hai. Ek Credit Card jo aapki sabhi jarurat ko complete karne me capable hota hai.

Credit Card Ke Prakar:-

Aap sabhi log bahi partnership dono Card issuers aur retailers ke bich hone se inki categorization ko aur bhi aasan bana diya hai. To aapko Credit Card kitne prakar ka hota hai iske bare me yaha par bataya ja raha hai jise aap padh skate hain.

  • Lifestyle Credit Cards:- Lifestyle Card ko aap All in one Credit Card bhi kah sakte hain, jo ki bahut se parivileges sabhi categories me pradan karta hai. Aur phir Shopping ya Traveling Rewards se csashbak entertainment se dining jaise special offers ka aap discount enjoy kar sakte hain. Par baise to Lifestyle Credit Card ki annual fee aur joining fee high hoti hai. Lekin iske privileges jo ki ye offer karti hai.
  • Shoping Credit Card:- Shopping Credit Card to ye naam se hi pata chalta hai ki shoping credit card ko design kiya gya hai. Shopaholics logo ke liye ya jyada Shoping karne balo ke liye hota hai. Jaise ki aapko kuchh Card online shopping karne ke liye badhiya hota hai jise aap deals aur discounts pradan karta hai.
  • Travel Credit Cards:- Yah Credit Card jyadatar Air Travel benefits hi pradan karte hain, Uske liye ye Airline Credit Card sabse jyada frequent travelers ke liye upyukt hote hain.
  • yah futures aur benefits offered on the cards revolve around the air travel reward points se aap air mile conversion kar sakte hain. Ya free flight tickets, complimentary airport lounge access kar sakte hain. aur aap accelerated rewards air ticket booking me bhi prapt kar sakte hain.
  • Reward Credit Cards:- Reward Credit Cards par aapko rewards pradan kiya jata hai, Jab aap Credit Card ka use kisi transaction me karte hain. Aur isme Crdit Card issures aapko bahut se aise variety ke redemption option provide karta hai jisse ki aap aasani se uska laabh uta sakte hain.
  • Cashback Credit Cards:- Cashbak Credit Cards aapko cash back provide karta hai jab aap in Cashback Credit Cards ka use karte hain to aapke liye yah ek badhiya money seving benefit hoti hai.

Credit Card Ke liye Online Apply Kaise

Aap aaj ke samay me Credit Card aasani se prapt kar sakte hain, Yadi aap criteria ke liye eligible hain tab. Aapko kisi bank ke branch tak jane ki koyi jarurat hogi.

Aapko Credit Card online apply karne ke liye internet se bank ke web portal par jana hoga, aur iske liye apply karna hoga. Jisme aapko kuchh details bharna hoga. Name, Email ID, contact No, Income Address etc. Jaise.

Ab aapko ek call aayega Credit Card representative se jo bank ki process me guide karne bala hota hai. Aap chahe to bo representative document collect karne ke liye aapke ghar tak bhi aa sakta hai.

Credit Card banane ke liye kin kin documents ki jarurat hoti hai.

Credit Card banane ke liye kuchh document ki jarurat hoti hai bo yaha par bataya ja raha hai.

  • Pan Card
  • Photos
  • Identity Proof (Aadhar Card, Voter Id)
  • Income Tax Return Receipt Or Fix Deposit In Your Account
  • Address Proof (Telephone Or Electricity Bill)
  • Age Certificate (Birth Certificate Or Voter Id Card)
Credit Card Itna Important Kyo Hota Hai.
  • Aapke short term finacial needs ko manage karne ke liye.
  • Interest free Credit Card ko enjoy karne ke liye.
  • Ek Ease of use hota hai jisme aapko ready cash prapt hota hai. Sudden expenses karne ke liye.

डेबिट कार्ड क्या है – What Is Debit Card In Hindi

Debit Card ek aisa Payment Card hai jiska upyog aap kisi bhi chij ko karidane ke liye kar sakte hain. Jisme aapke bank account se paise kat jate hain.

Debit Card basically ek Card hai hota hai jiska use found transactions karne ke liye kiya jata hai. Iske baut se naam hote hain jise ki Plastic Cash, Bank Card aur ATM Card hote hain. Iske madad se aap apne saving account ko aasani se electronically access kar sakte hain. VIA ATMS.

Aur apne convenlence me isme paise deposit aur withdraw bhi kar sakte hain, Jaha par aapko ek line me khade hone ki koyi jarurat nahi hoti hai.

Iska use aap mobile banking aur internet banking me bhi kar sakte hain. Aur jab aap bank me acount khulbate hain to bank se ek Debit Card milta hai jo hamare account se juda hua rahta hai.

Debit Card ke dwara aap bahut se kaam kar sakte hain. jaise ATM se paise niklana, kisi ke pass money transfer karna, shopping karna ityadi jaise kaam ko aap kar sakte hain.

Debit Card Kitne Prakar Ka Hota Hai.

Bank apne Customers ko Debit Card ki subidha dene ke liye Debit Card Service Provider Company ke saath judta hai jo bank ko Debit Card provide karte hain.

Aur Debit Cards ki prakar ki baat kiya jaye to baise Debit Cards ke kayi alag alag prakar ke india me paye jate hain. Aur unhe Majorly Classify kiya jata hai, Technology ke adhar par, Payment platform ke adhar par aur Usage ke adhar me.

1. Technology Ke Adhar Me

  • Contactless Debit Card:- Yah Debit Card me jis Technology ka use hota hai use Radio Frequency Identification (RFID) ya Near Field Communication (NFC) kaha jata hai. Iska use Secure transactions karne ke liye kiya jata hai.
  • Magnetic Stripe Debit Card:- Is Technology me tiny iron based paraticles ka use hota hai ek magetic band me. Aur ise swipe card bhi kaha jata hai. Aur ise aasani se ek magnetic reading head ke through kisi transaction ke liye swipe kiya jata hai.
  • Chip Aur Pin Debit Card:- Aur yah Debit Card me jyada evolved version ki technology ka use kiya jta hai. Jo ki isme har transaction ko complete karne ke liye (PIN) Personal Identifiction Number ki jarurat hoti hai.

2. Usage Ke Adhar Me

  • Prepaid Debit Card:- Yah Card dusre ke biprit kisi bhi account ke saath link nahi hoti hai. Is Card ko use karne ke liye aapko advance me hi isme paise load karne hote hain.
  • Sabse common form ka prepaid Debit Card hota hai Forex Foreign Exchange Card jo ki ek bahut hi Convenient tarika hota hai. India se bahar paise kharch karne ke liye.
  • International Debit Card:- Aur yah ek aisa Debit Card hai jiska use aap india se bahar other country me transaction karne ke liye kiya jata hai.
  • Virtual Debit Card:- Ye typical physical Debit Card nahi hota hai balki ise aasani se Via Phone aur Internet Access kiya ja sakta hai Online payment karne ke liye.
  • Business debit Card:- Aur yah Card jise kebal corporate people ko hi issue kiya jata hai, bo bhi kebal business bale kaam ke liye diya jata hai.

3. Payment Platform Ke Adhar Me

  • Visa Debit Card:- Visa Debit Card ek aisa debit card hai jise ki Visa ke dwara issue kiya jata hai. Visa ek payment platform North America se based hai.
  • Visa Electron Debit Card:- Iisme aapke account me funds available hona chahiye jab aap ek Card ka use payment karne ke liye karte hain. Kyonki isme koyi overdraft limit nahi hoti hai.
  • Maestro Debit Card:- Ise pure world me master card ka trademark ke taur par jana jata hai jisme ki Debit Card PIN ki jarurat hoti hai kisi bhi transaction ko karne ke liye.
  • Master Debit Card:- Yah ek aisa Card hai jo ki secure aur convenient access ko aapke found tak pradan karta hai.

Yah do tarah ke hote hain:- Cirrus Debit card And Maestro Debit card.

  • Rupay Debit Card:- Yah Debit Card domestic card scheme of National Payments Corporation of India (NPCI) ke tahat launch kiya gya hai.

Aur Debit Cards ko metal ke Naam se bhi allot kiya jata hai. Jaise – Gold Devit Card, Titanium Debit Card ya Platinum Debit Cards hota hai.

Baise in Card se koyi sambandh nahi hota hai, balki ise iske benefit ke hisab se diya jata hai. Par iska benefit sabhi bank se alag alag hota hai.

Debit Card Kaam Kaise Karta Hai.

Debit Card aksar customer ke kisi particular bank account se linked hota hai. Jab bhi koyi naya saving current ya overseas account kholte hain tab Debit Card bank customer ko prdan karta hai

Aap Debit Card ke madad se Merchant outleys aur online store ke dwara aasani se koyi bhi saman khrid sakte hain.

Aur jab Debit Card ko swipe kiya jata hai tab paise directly customer ke bank account se immediately Merchant ke account me transferred ho jate hain.

Debit Card Ke Liye Offline Apply Kaise Karen

Yadi aap kisi bhi bank me naya account open karbate hain to aapko Saving Account, Current Account ya Passbook, Check book ke saath aapko Debit Card bhi diya jata hai. Jise aap ATM Card bhi kahte hain.

Yadi aap offline debit card prapt karna chate hain to aapko us bank me jakar Debit Card ke liye form bharna hoga. Jisme aapka account hai.

Aur Form bharne ke baad aapko 10 se 15 din wait karna hoga. Uske baad aapko form address ke anusar aapka debit card aa jayega.

Lekin bahut se bank me aapko trunt Debit Card pradan kar diya jata hai. Aur debit card milne par aapko bahi par pin code ki madad se activate karbana hoga. Jabki Activation ke dauran registered mobile number ko apne pass rakhna hoga kyonki mobile par hi OTP aati hai.

Debit Card Online Apply Karne ke liye Documents

  • PAN Card.
  • Adhar Card.
  • Voter’s ID Card.
  • Driving License
  • Passport.
  • Ration Card.

Aapko Debit Card online karne ke liye us bank ke official site par jana hoga.

Aur uske baad aap bahut saare baha par opton milege, Jaha par aapko ATM Card Services option ko select karna hai.

ATM Card Services par click karne ke baad aapke samne 5 option milege jisme se aapko naya Debit Card apply ke liye ATM Debit Card par click karna hoga.

ATM Debit Card par click karne ke baad aapke samne ke dashboard open hoga yaha par aap apna name aur kis tarah ka Debit Card apply karna chahte hain bo select karna hoga.

Yadi aap india me online ya offline use karne ke liye lene chahte hain to aap Rupay Debit Card ko select karna hoga.

Aur aap Debit Card ko other country me upyog karne ke liye karte hain to aapko Global International Visa ya Master Card ke liye apply kar sakte hain.

Yaha par address open jise aapko bahrna hoga jise aapka Debit card dliver kiya jayega, To aapko virification ke liye do option hote hain, OTP ke liye jo registred mobile number par bheja jayega. Aap kisi me se ke option ko select kar sakte.

To aap sabhi ko is post ke madhyam se Debit Card aur Credit Card ke bare me jankari diya gya hai jise aap padhkar iske bare me jaan hi gye honge ki Debit Card aur Credit Card kya hai. I hope ki aapke liye yah article kafi upyogi raha hoga.

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