atm vsDebit Card A Debit Card is a multi-functional card, and you can use it for on and off transactions and for withdrawing cash from ATMs. It is the bgest ATM card vs debit card difference. You can also use debit cards for internetProtected against: 1 ATM: Can withstand depths of up to 10m (33ft) Wet weather conditions and splashes: 3 ATM: Can withstand depths of up to 30m (98ft)