can atm card be used as debit card

No, a traditional ATM card cannot be fully used as a debit card. While both cards are connected to your bank account and allow you to withdraw cash and check your balance at an Automated Teller Machine (ATM), an ATM-only card is limited to these banking functions. A debit card offers broader functionality, as it can be used for ATM transactions *and* for making purchases online or at retail stores. For this reason, banks in India now predominantly issue debit cards, which serve both purposes.