is atm card and credit card are same

No, an ATM card (which usually functions as a Debit Card) and a Credit Card are not the same. An ATM or Debit Card uses your own money directly from your linked bank account for transactions and cash withdrawals. Conversely, a Credit Card allows you to borrow funds up to a set limit from the card issuer, which you must repay later. While a Debit Card helps you stick to your budget by spending only what you have, a Credit Card, when used responsibly, can help build your credit history.