La targeta de dèbit és nova.

Because targeta is a feminine singular noun in Catalan, so it takes the feminine singular definite article la.

A quick pattern:

• el = masculine singular
• la = feminine singular

So:

• la targeta = the card

This also affects the adjective later in the sentence: nova is feminine singular to match targeta.

Because adjectives in Catalan usually agree with the noun they describe in gender and number.

Here:

• targeta is feminine singular
• so the adjective must also be feminine singular: nova

Compare:

• nou = masculine singular
• nova = feminine singular
• nous = masculine plural
• noves = feminine plural

So:

• el llibre és nou = the book is new
• la targeta és nova = the card is new

Literally, it means of debit.

Catalan often uses de + noun where English uses a noun as a modifier. So:

• targeta de dèbit = literally card of debit
• natural English meaning: debit card

This is a very common pattern in Catalan. For example:

• targeta de crèdit = credit card
• taula de fusta = wooden table / table made of wood
• botiga de roba = clothes shop

So even though the literal structure looks different from English, it is completely normal Catalan.

És is the third-person singular form of the verb ser, meaning to be.

So:

• és = is

In this sentence:

• La targeta de dèbit = the debit card
• és = is
• nova = new

So the structure is very straightforward:

subject + verb + adjective

Catalan has both ser and estar, but in sentences like this, ser is the normal choice.

La targeta de dèbit és nova means the card is new, describing it as a quality or condition in a neutral way.

For a learner, the safest rule here is:

• use ser for identification and basic description
• use estar more for location or certain temporary states

So és nova is the standard, expected phrasing.

Very roughly:

• és nova = it is new
• està nova can sometimes suggest something more like it looks like new or it is in like-new condition, depending on context

But for the basic meaning, és nova is exactly what you would expect.

The accents help with stress and sometimes distinguish words from other forms.

• dèbit has a grave accent: è
• és has an acute accent: é

In dèbit, the accent shows that the stressed vowel is an open e sound, and that the stress falls there: DÈ-bit.

In és, the accent helps mark the stressed vowel and also distinguishes it from es, which is a different word in Catalan.

So the accents are not optional decoration; they are part of the correct spelling and help with pronunciation and meaning.

The neutral word order here is:

La targeta de dèbit + és + nova

That is the most natural way to say The debit card is new.

Catalan does allow other orders in some contexts for emphasis, contrast, or style, but this sentence uses the standard basic order.

Also, be careful not to confuse these two structures:

• La targeta de dèbit és nova = The debit card is new.
• La nova targeta de dèbit = The new debit card.

In the first sentence, nova comes after the verb and is the main description of the subject.
In the second, nova is inside the noun phrase and directly modifies targeta.

A simple learner-friendly pronunciation is:

lah tar-JEH-tuh duh DEH-bit ez NO-vuh

A few notes:

• targeta is not pronounced like Spanish tarjeta, although they are related words
• the g in targeta sounds like the s in measure or the j in some pronunciations of vision
• dèbit is stressed on the first syllable: DÈ-bit
• nova is stressed on no

Pronunciation varies by dialect, but that approximation will be understood well.

Yes. They are cognates, and they mean the same thing: card.

But Catalan spelling is different:

• Catalan: targeta
• Spanish: tarjeta

So if you know Spanish, the word may look familiar, but you should learn the Catalan spelling and pronunciation as its own form.

Normally, no. In this sentence, la is needed because you are talking about the debit card, a specific one.

So the normal sentence is:

La targeta de dèbit és nova.

If you removed the article, the sentence would sound ungrammatical in standard Catalan.

If you wanted an indefinite meaning, you would use una instead:

• Una targeta de dèbit és nova. = A debit card is new.

But that sentence would usually only make sense in a special context. The original sentence with la is the natural one.