No. Credit cards and debit cards are two different financial products, and their functions and usage methods are also very different. A credit card is a lending instrument that allows the cardholder to make purchases within the credit limit and then pay off the balance before the repayment date or in installments. The debit card is a deposit tool. Cardholders can deposit their own funds in the bank, and then withdraw or transfer funds through ATM machines, online banking, etc.