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As the name suggests, this card is used for gifting. So instead of gifting cash,you can gift somebody a card which has a pre-loaded amount in the card. This amount is loaded by the bank into the card and can be used at all places where the Debit/Credit cards are accepted. In other words, it is just like a Debit/ Credit Card except for the fact that it is mainly used for gifting. But you can also create such a card for your own personal needs.