Do I have a credit score with a debit card?

No, using a debit card does not help you build or maintain a credit score. In India, credit bureaus like CIBIL only track your repayment history for borrowed money, such as loans or credit cards. Since debit card transactions use your own funds directly from your savings or current account, they are not reported to these bureaus. To establish a credit history, you must use credit products and ensure timely repayments. Simply having a bank account and a debit card is not enough to generate a credit report.