This distinction isn't quite so clear-cut. At least in Ontario, any form of documentation listing the voter's name is sufficient [1], which they explicitly state can include a credit/debit card. The more stringent voter ID laws in some parts of the US (e.g. Texas) tend to concern government-issued photo IDs [2].
EDIT: Note, in particular, that a utility bill (e.g. a gas bill as mentioned in an ancestor comment) is sufficient in Ontario. For the purposes of this comment thread, this would fall into the (allegedly) laughable situation of lacking voter ID.
[1] https://www.elections.on.ca/en/voting-in-ontario/id-requirem...
[2] https://www.votetexas.gov/mobile/id-faqs.htm