All new major debit cards come with the same ability to chargeback and coverage for bogus charges. But as mentioned elsewhere the major difference is that the debit card uses your money for a transaction and the credit card uses the bank's money. You could claim that the bank wants to get their money more than they want to get you back your money, but realistically it's probably more that the system is setup better currently for credit cards.
But the my vs. the bank's money is the reason I use my credit card almost exclusively for in person and online purchases. If I go to the Kwick-E-Mart, and pull out my PayPass (or other RFID) enabled credit card and someone snipes my credit card number from it as I swipe for cheetos, I'm fine if it's a credit card. They can run up 20k in charges on my credit card and I don't care (even if the credit card company doesn't stop it), I'll call my bank and tell them that they need to fix that, and probably go find a bad guy, also, I'm not paying that.
If they run up 20k in charges on my debit card before I or my bank notices, I am missing $20,000 from my account. Then I have to hope that the bank can and will fix it before my bills are due.
If used properly credit cards are month long interest free loans with no risk if someone steals the loaned money. Debit cards are wooden door to your bank account with a really aggressive, sleepy, deaf hound that you have to sic on the bad guys after you realize your money is gone.
I've never had a debit card. Every time I've opened a bank account, I've asked for a plain ATM card with no Visa or MasterCard logo instead. It's safer because there's a mandatory PIN and an enforced daily withdrawal limit.
A plain ATM carc might be very difficult to use to get money from your account in developing economies. We had issues with our MasterCard debit cards in Nicaragua.
"Visa, accepted everywhere," I always thought, "Yeah, and everywhere Visa is accepted so is MasterCard." Apparently, that is not the case.
Just FYI, if you're traveling to a developing nation, make sure that your ATM/debit card will work to extract cash from your account.
But the my vs. the bank's money is the reason I use my credit card almost exclusively for in person and online purchases. If I go to the Kwick-E-Mart, and pull out my PayPass (or other RFID) enabled credit card and someone snipes my credit card number from it as I swipe for cheetos, I'm fine if it's a credit card. They can run up 20k in charges on my credit card and I don't care (even if the credit card company doesn't stop it), I'll call my bank and tell them that they need to fix that, and probably go find a bad guy, also, I'm not paying that.
If they run up 20k in charges on my debit card before I or my bank notices, I am missing $20,000 from my account. Then I have to hope that the bank can and will fix it before my bills are due.
If used properly credit cards are month long interest free loans with no risk if someone steals the loaned money. Debit cards are wooden door to your bank account with a really aggressive, sleepy, deaf hound that you have to sic on the bad guys after you realize your money is gone.