International Research Journal of Education and Technology

This study explores consumer satisfaction levels associated with the use of debit and credit cards, focusing on key factors such as convenience, security, customer service, fees, and rewards. With the rapid digitalization of banking and the increasing reliance on cashless transactions, understanding consumer preferences and satisfaction is vital for financial institutions. The research is based on a survey of diverse consumers, analyzing their experiences, perceptions, and overall satisfaction with both payment methods. Findings indicate that while debit cards are preferred for daily transactions due to ease of use and direct access to funds, credit cards are favored for their reward programs, purchase protection, and credit-building potential. However, concerns such as interest rates and hidden fees affect credit card satisfaction, while issues like limited fraud protection and transaction limits influence debit card usage. The study concludes with recommendations for banks and card issuers to enhance service features, improve transparency, and tailor products to meet evolving consumer needs.