I've sadly seen all sorts of stuff spring up around this in australia, like https://polipayments.com/Buy (which e.g. is one of the only ways a normal person can pay for a jetstar flight without a credit card surcharge)
"no one can see your bank details" it says on https://www.polipayments.com/security which is a fraudulent claim, yeah the hell you can, its being sent to your server, not my bank, this is crazy. It also says they don't cache anything -- all kinds of criminals claim they're up to no harm. POLi says they're up to no harm, why should I believe them? There is NO EXCUSE for using POLi vs. just paying with your bank, if a business offers POLi and not bank transfer directly or a credit card, i would never even remotely entertain doing business with them. NZTA is not a business though, it's a government agency. You can do it in person though (transfer ownership of a car for example), or by CC, so whatever, I don't understand who would ever use POLi, the naive? Hopefully they go bankrupt in the near future.
POLi is instant. Bank transfer is anywhere from 1 - 3 days. Until banks finally implement instant transfers, POLi will still be useful to some.
Here, Amex credit cards are far more common than charge cards, at least due to how regular banks can issue an Amex.
https://www.americanexpress.com/au/content/credit-cards/abou...
It appears that AmEx offers both, I have a credit card Amex via my bank that has both a spending limit & doesn't have to be paid off each month (though I always do anyway). But I learned something today, thank you!
Fun fact, they have a limit to how many credit cards you have have with them (6?) But no limit on the number of charge cards they will issue you.
That's excluding AMEX cards issued by third parties.