is atm card debit or credit

An ATM card is functionally similar to a debit card, as it is strictly linked to your bank account, meaning you can only access your own available funds and are not borrowing money. Therefore, it is not a credit card. The main difference is that an ATM card's use is typically limited to withdrawing cash at an ATM and checking your account balance. A debit card, which many banks issue as an ATM-cum-debit card, offers this same functionality along with the ability to make purchases both online and at retail stores.