There was also a "ewallet" card in France when I was a teenager, but it was mostly targeted at children and senior. Now I'm wondering if it was a true offline card or not.
Edit:
Can't find technical details on Wikipedia[0] but the fact that funds could be added online indicate it wasn't offline? I would love if someone here worked on it then.
old school programmer thoughts on 'work around commas in cvs data using awk/gawk programming language':
Instead of using awk/gawk straight up/out of the box, can code/program awk/gawk or use non-awk/gawk stuff to convert to different format to work around issue.
[edit this when have simple working example:
edit1: one non-awk/gawk way to avoid the cvs comma issue would be to use jq to convert column data to different format.