I've definitely had credit cards like that (also note that both MasterCard and Visa offer debit cards in many countries though). The point of sales terminal doe

I've definitely had credit cards like that (also note that both MasterCard and Visa offer debit cards in many countries though). The point of sales terminal doesn't care, the only difference between credit and debit cards is on the banking side, and when making ATM withdrawals. NZ, Aus, UK, are pretty much on the same level banking tech-wise (with UK bank-to-bank transfers being much quicker). Credit cards are common enough, but most people only have one or two, with lower credit limits than in the US.