Spanish Phrase
¿Tienes tu tarjeta de débito contigo?
Meaning
Literally, ‘Do you have your debit card with you?’ The question checks whether the listener is currently carrying the card, often before a purchase or an ATM withdrawal.
When to use
Use this sentence when you need to confirm that someone has their debit card on hand – for example, at a checkout line, when a friend is about to pay, or when you’re traveling and need to know if a companion can cover expenses.
✦Grammar Breakdown
¿Tienestutarjetadedébitocontigo?
Tienes (present of tener)
Second‑person singular present of the verb *tener*; used for asking about possession.
tu (possessive adjective)
Unstressed *tu* means ‘your’; do not add an accent (that would be the pronoun *tú*).
de débito (noun phrase)
The preposition *de* links the type of card; *débito* is a masculine noun meaning ‘debit’.
contigo (prepositional pronoun)
Combination of *con* + *tigo* (the stressed form of *ti*); means ‘with you’ and stresses that the object is on the person.
🗨In Conversation
¿Tienes tu tarjeta de débito contigo?
Do you have your debit card with you?
Sí, la llevo en mi bolsillo.
Yes, I have it in my pocket.
✕Common Mistakes
¿Tienes tú tarjeta de débito contigo?
Use *tu* (without accent) as the possessive adjective; *tú* is the subject pronoun.
¿Tienes tu tarjeta de débito con usted?
If you want a formal tone, you must also change the verb to *tiene*; mixing informal *contigo* with formal *con usted* sounds odd.
¿Tienes tu tarjeta de crédito contigo?
Make sure you use *débito* if you specifically mean a debit card; *crédito* refers to a credit card.
↔Alternatives
¿Llevas tu tarjeta de débito?
Are you carrying your debit card?
¿Tienes la tarjeta de débito a mano?
Do you have the debit card handy?
¿Trajiste tu tarjeta de débito?
Did you bring your debit card?
Cultural Tip
In most Spanish‑speaking countries the term *tarjeta de débito* is used just like ‘debit card’ in English. When speaking formally you would replace *tienes* with *tiene* and *contigo* with *con usted*. Also, note that many people keep their cards in a wallet rather than a pocket, so you might hear *la llevo en la cartera* instead of *en mi bolsillo*.