The first thing to keep in mind is that using a debit card means spending the money in your account. Credit cards, on the other hand, are handy if you face a shortage of funds while travelling abroad. Is it better to use a debit card to avoid overspending or swipe a credit card to stay away from tax collected at source (TCS)? What are the charges you need to keep in mind while using a debit or credit card abroad? Read on to find out before boarding that flight.