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In the US you would typically get one of these debit cards automatically with your checking account, and it works as you describe. If you want a credit card you would have to submit a separate credit application at the same (or different if you like) bank and that would be a completely different card with its own account and terms. I think this is the same in most countries.

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Ok. Guess the difference is not technical but cultural, here the debit cards are used more frequently, and many never get a credit card. I do think we have bonuses on many cards, but I have never found them appealing enough to switch to a pay-later system. I prefer knowing the balance all the time. I use mine only for work expenses and "future" expenses such as flights, where an airline going bankrupt would be problematic if I had already paid the ticket up front.

Maybe we also have less fraud since chip+pin is used everywhere?

Same in the UK. Debit cards (with Chip+Pin) are pretty much the default

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