यह डेबिट कार्ड नया है।

In this sentence, यह means this.

A few useful notes:

• यह is the near demonstrative in Hindi, used for something close to the speaker.
• Depending on context, यह can also mean he, she, or it, but here it clearly means this because it is pointing to डेबिट कार्ड.
• In speech, यह is very often pronounced like yeh.

So:

• यह डेबिट card... = This debit card...

Because Hindi very commonly uses English loanwords, especially for modern objects, banking, technology, and business.

So डेबिट कार्ड is a normal and natural Hindi expression. Native speakers often say and write such borrowed words in Devanagari.

This is very common in Hindi:

• मोबाइल
• बैंक
• पासवर्ड
• कार्ड

So the sentence is perfectly natural Hindi, even though part of it comes from English.

Because नया agrees with the gender and number of the noun it describes, and कार्ड is treated as masculine singular in Hindi.

Agreement here works like this:

• masculine singular: नया
• feminine singular: नई
• masculine plural: नए

Since कार्ड is masculine singular:

• यह डेबिट कार्ड नया है। = correct

If the noun were feminine, you would use नई instead.

For example:

• यह किताब नई है। = This book is new.

With borrowed nouns, gender often has to be learned from usage. In practice, कार्ड is commonly treated as masculine in Hindi.

You can tell from the adjective:

• नया shows masculine singular agreement

So even if the noun itself does not obviously look masculine, the rest of the sentence tells you how speakers are treating it grammatically.

This is something learners often just memorize noun by noun.

Because Hindi usually follows Subject–Object–Verb order, and the verb often comes last.

In this sentence:

• यह डेबिट कार्ड = subject
• नया = predicate adjective
• है = is

So Hindi says, literally:

• This debit card new is

That sounds odd in English, but it is normal in Hindi.

है means is here.

It is a form of the verb होना (to be).

So:

• है = is
• हूँ = am
• हैं = are / also used for respectful singular

In this sentence:

• यह डेबिट कार्ड नया है।
• This debit card is new.

Because Hindi does not normally use articles like English a, an, and the.

So Hindi often leaves that idea to context.

That means:

• यह डेबिट कार्ड नया है। can naturally mean This debit card is new.

Hindi does not need an extra word for the here.

This is a very common difference between English and Hindi.

Yes, but the meaning shifts slightly.

Compare these:

• यह डेबिट कार्ड नया है। = This debit card is new.
• यह नया डेबिट कार्ड है। = This is a new debit card.

The difference is about where new is placed:

1. Predicate adjective

   • कार्ड नया है
   • The card is new

2. Attributive adjective

   • नया कार्ड
   • a new card

So both are correct, but they do not mean exactly the same thing.

A simple learner-friendly pronunciation is:

yeh debit card nayaa hai

A bit more detail:

• यह = yeh
• डेबिट = debit
• कार्ड = kaarḍ / card
• नया = na-yaa
• है = hai

So the full sentence sounds roughly like:

yeh debit kaarḍ na-yaa hai

Yes. In natural speech, many speakers pronounce यह more like ye than a careful yeh.

So you may hear:

• careful pronunciation: yeh
• common spoken pronunciation: ye

But in writing, the standard form here is still यह.

This kind of difference between spelling and everyday pronunciation is very common in Hindi.

Then both the demonstrative and the adjective/verb agreement would change.

For plural debit cards, you would say:

• ये डेबिट कार्ड नए हैं।
• These debit cards are new.

Changes:

• यह → ये = this → these
• नया → नए = masculine plural
• है → हैं = are

So this sentence is a good example of agreement in Hindi.