I'm sorry, but if you're white you don't get to weigh in on whether or not certain words that were used to dehumanize minorities for ages is or is not "racist anymore".
That's for any of those words, not just the n-word. And yes, it is still racist regardless of whether it's widely accepted in your country.
It's less about the word, and more about where the word comes from and why it exists in the first place, which will always stem from a place of hate, racism and white supremacy. It's specifically up to the marginalized group to reclaim the word. If you're not part of that group then it's not really your place tbh. I personally don't always mind if white people use it, especially if I know them, or it's clear their intentions were not to be racist. But just an fyi for the people that live outside the US. If you live in the US though, you should know better.