Debit card: no overdraft. Deposit interest is calculated based on current interest. Can be used for automatic regular deductions and transfer settlements for water, electricity, and gas.
Credit card (debit card): can be overdrawn. There is a certain credit limit, within which you can consume first and repay later, and there is an interest-free period (up to 56 days), during which deposits are interest-free, but withdrawals are subject to handling fees.