I know that (US) Charles Schwab debit cards will be refused on Japanese steam or PS stores as their algorithm can tell the card is NOT from Japan since their system only recognizes cards that are issued from their own country. The same applies if a foreigner tries imputting a Charles Schwab card onto the Japanese app store (iOS) leading to rejections.
The same thing applies to both Revolut & Wise: as Japan PS store, Steam & App Store refuse cards that aren’t matching the region (perhaps due to potential fraud). It doesn’t matter if you have either, since PS store (JPN) for example won’t accept it, since they only cater to cards that are issued from the same region the store front is set in.
I have no personal experience with this, just stuff I’ve heard online and from friends. I may well have some details wrong, but the truth is I’ve always been able to use my Visa credit card for any online shop from any country, including ones which Americans were having trouble with.
I think some shops (and maybe countries) which have a strong trade/tourism relationship with USA will just go out of their way to support American “non-international” cards. Whether that is the case for you in New Zealand, I can’t say.
I don’t have much stake here and I admit I could have gotten something wrong.