The usage of debit cards with female employees has been found to be lesser with females, said a recent survey conducted by regulator, Reserve Bank of India.

According to RBI data, the outstanding figures for debit as well as credit cards amounted to 25 crore and 1.76 crore respectively as on end of September 2011.

Also, it has been found that women prefer getting their credit card swiped rather than debit card in order to avail the 45 day credit period.

The young customer segment has been found to be making more usage of their debit cards for purpose of shopping. The usage rate has been found to peak in states like Maharashtra and Andhra Pradesh.

These cards have been found to be gaining far less usage in fields like online bill payment and others.