借记卡（英语：Debit Card），在中国大陆称为「借记卡」，在台湾有时称为「金融卡」，在香港和澳门称之为「扣账卡」，在新加坡和马来西亚称为「转帐卡」，是种可以在商店刷卡消费，刷卡时直接由存款帐户扣款，有多少钱，才能刷多少钱，不会产生超刷、透支或动用循环利息的状况。借记卡也可以透过ATM转帐和提款，不能透支，帐户内的金额按活期存款计付利息。借记卡使用时一般需要签名或输入密码（PIN）。借记卡的等级和信用卡一样，可以分为普卡、金卡和白金卡或商务卡。Visa扣账卡和信用卡的使用方式一模一样，将卡片交给店员刷卡后，在签单上签名即可。

A debit card (also known as a bank card or check card) is a plastic payment card that provides cardholders electronic access to their bank account(s) at a financial institution. Some cards may bear a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payer's designated bank account. The card, where accepted, can be used instead of cash when making purchases. In some cases, the primary account number is assigned exclusively for use on the Internet and there is no physical card.