Read about the differences between a credit card and debit card here. A credit card, such as Barclaycard, isn't linked to your current account and is a credit. A debit card is a plastic payment card that can be used instead of cash when making purchases. It is similar to a credit card, but unlike a credit card, the money. Understanding what a debit card is and how it is different from a credit card can help you choose the best option when you are managing your money.