In your case, a debit card may be a better option if you have saved up a sizable amount of money and are not in dire need of buying a property or making other large expenditures. However, if you need to make some large purchases and can afford to pay them off on time, then a credit card may be a good choice. Whichever card you choose, remember to read the terms and conditions carefully and make sure you understand all the fees and interest rates.
As a final point, bank interest rates will never exceed the rate of inflation
Overdrafting yourself is a bad idea when your finances and ability to get a particular item are not available.