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Never got debit card yet.. but interested to know more.. feel like xapo debit card is the best so far

I think if one have a options to liquidate bitcoins easily without debit card then that will be best way to convert it to cash because these card will have some % of transactions fee but do not know how much. Surely these charges will more than exchanges fee.

Yes that will be good option if you can liquidate your coins without any of these transaction fees.

This is the best way to convert bitcoin to cash or purchase directly in POS
Also a good opportunity is to save the exchanges fee that take other exchanges.
Personally in near future will use any of them, currently just checking which is the best and lowest fees.

Dont' forget to check any ATM fees in your country. Link

Yeah i know it every bitcoin debit card service charges these ATMs
And the rate seems to be the same xapo and e-coin.io both charges $2.50 to withdraw from ATMs.
And if you withdraw to another currency then automatically 3% fee will be applied.