Here you get a debit card by default with your bank account, and that one’s free. You might get a credit one, but credit limits are typically low. I lived in Canada for 9 years and by the time I left I had a CC with a limit of 26k CAD. Here my Spanish credit card has a limit of 1.2k euros, and I’ve had it for quite a long time.
In Spain at least there’s quite a lot of confusion with this. People call any card type a “credit card”, even debit ones.
In Spain at least I have two small alternatives to this:
For everything else I have a virtual credit card number that’s not dynamic, but at least it’s something I use exclusively for online stuff.