Chargebacks atleast exist in NZ - this is what I mainly use credit cards for - if the company goes bust before delivering (or before you take a holiday etc), or the product isn't as described, or the company starts quibling about their unconditional money-back guarantee - the credit card company will pay (by law)
You should check what's the difference if you get frauded. In Canada, with a debit, it's mostly your loss, but credit cards you can make a fraud claim and they will reimburse you.
That's my main reason for never using my debit and always using a credit card, to offset the risk of fraud.
They do, although it's not a common feature for a basic credit card - for example, the BNZ Platinum Visa card comes with travel insurance, and you can either earn points or get a 1% cashback, depending on which reward scheme you choose.
Your comment inspired me to check out a bunch of other banks to see what the deal is.
It seems like a few of them have some perks like travel insurance, cashback or airpoints/reward points, but most of them have no or very tiny perks on their cards. A lot of the airpoints are also locked behind a minimum spend in the first 3 months.
For me personally even the "good" cards aren't that great because I just don't spend that much money. Though travel insurance would be nice once the world opens back up.
The better ones do have an annual fee, so also take that into account. But for us while we were travelling more frequently, the flyer points and insurance made it very worthwhile.
Chargebacks are useful depending on consumer protection laws. I'd guess in NZ they're less useful like here in Aus, but if you buy from foreign companies it can be a useful stick to wield as otherwise you'd have little legal recourse.
In NZ there are some solid benefits to paying with a CC - I generally toss a direct-debit authority to pay it off automatically monthly.
I've got reasonable travel insurance protections when I pay with the CC, I get airpoints, and some chargeback options, as well as fraud detection. Additionally, it's been easier and more reliable to set up online payments with a credit card.
Sure do, I've got those on my NZ CC. Worth it for the travel insurance if you are travelling overseas etc. The points are hand too, usually cash them in for vouchers each christmas.
Protection with a credit card is so much better than a debit card. If you prepay for a service that is not delivered, then the credit card company will refund you.
The first 3 don't really seem to exist in relation to CCs in NZ, and wanting/needing to do a chargeback seems unlikely.
There are probably mild benefits to me having a CC over a debit card in NZ, but it doesn't seem to be anything like the US.