dont know what buffet uses..but i must warn u dude that debit cards are more dangeroous then credit cards...in case u loose/drop ur debit card, someone can swipe it any money will be deducted from ur account immediately n cant do anything about that...in case ur credit card is lost, at least u can lodge an FIR and make a case for fradelent usage and fight for it....
Very important: If u cant manage ur finance well then neither use credit nor debit cards....take plain ATM cards from banks...