Debit cards are indeed very safe as they come with PIN and microchip. Banks are investing a lot to make Mobile/Debit Cards/Credit Cards safe way to transact:
Electronic payments are way more secure than cash: Electronic payments typically offer protection or a trail of an electronic payment trail from where we can track every payment done. Though it is impossible to track cash which fell out of the pocket.
Chip cards: They are now coming to India. Debit cards are being replaced with a better version of cards that have micro- or computer chips inserted in them, they are extremely difficult to counterfeit or copy, the cards provide even better protection against fraud. These cards have two varieties: “chip-and-sign,” which is a half-measure that provides slightly improved security; and “chip-and-PIN,” which is considered more fraud-resistant.
Although debit cards are a safer method of making purchases, there are few rules to abide to keep the Debit Card Safe:
Check your bank statements often
Protect your PIN by not giving it to anyone
Avoid online debit card usage, instead use credit cards because a fraudulent related to the transaction made by credit cards takes a longer time to process, and it can be a transaction of dispute. When using a debit card, cash is removed instantly from your checking account, thus, you are then stuck with a fraudulent.
Only use ATMs at a bank
Avoid doing financial transactions using public wireless access
If there's any problem or unauthorised transaction report immediately
If required and the issue is very grave, do make a police complaint