[Symbiote]

The Nordic countries also have that distinction, indeed credit cards are often charged 1-3% in fees, while debit cards are usually free.

That hasn't prevented the demise of cash, and MobilePay, Swish etc are popular for personal and commercial transactions.

The RFID card works on all public transport all across Denmark. Sweden has regional systems. I don't know about elsewhere.

The leader for this is London, where any contactless payment card works on public transport.

[lb1lf]

To illustrate how widespread the use of debit cards is - the Norwegian National Bank rolled out a couple of new bank notes in late May.

Only last week did I actually see one of the new 100kr ($12) bills.

Debet card terminals are everywhere, some churches have even put them next to the collection plate - and it is not uncommon to see street vendors using wireless terminals.

[poizan42]

Most Danes use a combined visa/dankort which is a credit card but doesn't usually incur a fee. Also generally we don't have a seperate credit line, it goes directly to your bank account as soon as the transaction is registered (and simply overdraws it if you don't have sufficient funds). A lot of danes also seems somewhat confused about the debit/credit card distinction, because the only difference most people see is whether it allows you to overdraw your account.

[Symbiote]

The Dankort is actually a debit card, mine at least has the "VISA Debit" logo.

I'd guess most Danes realise credit cards are the ones where you often pay 1-3% extra, which is a difference you don't often see in the USA or the UK — there, it's limited to things like plane tickets.