Η χρεωστική κάρτα είναι εδώ.

Η is the feminine singular definite article, so it means the.

It matches κάρτα because κάρτα is a feminine noun. In this sentence:

• Η = the
• κάρτα = card

So Η κάρτα = the card.

Because it is at the beginning of the sentence, it is capitalized. In the middle of a sentence, it would be η.

Because χρεωστική is an adjective, and in Greek adjectives must agree with the noun they describe in:

• gender
• number
• case

Since κάρτα is feminine singular nominative, the adjective must also be feminine singular nominative:

• masculine: χρεωστικός
• feminine: χρεωστική
• neuter: χρεωστικό

So:

• η χρεωστική κάρτα = the debit card

In Greek, adjectives can sometimes come before or after the noun, but χρεωστική κάρτα is the normal, natural order.

So the usual phrase is:

• η χρεωστική κάρτα

Putting the adjective after the noun, as in η κάρτα χρεωστική, sounds marked or unnatural in ordinary speech for this expression.

For a learner, it is best to treat χρεωστική κάρτα as the standard phrase for debit card.

είναι is the present-tense form of είμαι, meaning to be.

Here it means is.

So the structure is:

• Η χρεωστική κάρτα = the debit card
• είναι = is
• εδώ = here

Greek usually does not need a subject pronoun like it or she in a sentence like this. The noun itself already tells you what the subject is.

It is in the nominative case, because it is the subject of the sentence.

So:

• η = feminine singular nominative article
• χρεωστική = feminine singular nominative adjective
• κάρτα = feminine singular nominative noun

εδώ is an adverb, so it does not affect case.

εδώ means here.

In this sentence, it shows location:

• Η χρεωστική κάρτα είναι εδώ. = The debit card is here.

Its position can change depending on emphasis. For example:

• Εδώ είναι η χρεωστική κάρτα.

This still means basically the same thing, but it puts more focus on here.

The version you were given is a neutral, standard word order.

Usually, no. That sounds unnatural in normal Greek.

Greek uses the definite article much more regularly than English with specific nouns. Since we are talking about a specific debit card, η is expected:

• Η χρεωστική κάρτα είναι εδώ.

Without the article, the sentence would not sound like normal everyday Greek.

A rough pronunciation guide is:

ee hreh-oh-stee-KEE KAR-ta EE-neh eh-THOH

A few helpful notes:

• χ in χρεωστική is not exactly English h or k. It is a Greek sound, like a soft throaty h/kh.
• κάρτα = KAR-ta
• είναι is pronounced roughly EE-neh
• δ in εδώ sounds like th in this, not d
• εδώ = eh-THOH

The stress falls on:

• χρεωστική → actually on the last syllable: -κή
• κάρτα
• είναι
• εδώ

The accent marks show which syllable is stressed.

In your sentence:

• χρεωστική → stress on -κή
• κάρτα → stress on κάρ-
• είναι → stress on εί-
• εδώ → stress on -δώ

The article η/Η has no written accent because it is a one-syllable word.

For Greek learners, these accents are important because stress can affect both pronunciation and meaning.

A yes/no question can use the same word order:

• Η χρεωστική κάρτα είναι εδώ;

In Greek, the question mark looks like a semicolon in English: ;

So Greek:

• Η χρεωστική κάρτα είναι εδώ;

English punctuation style would be:

• Is the debit card here?

In speech, your intonation also helps show that it is a question.