There are all kinds of cards these days. There are regular debit cards, regular credit cards, and credit cards like the one from Roar Bank https://roar.bank.in/en/credit-card, where everything is combined with a savings account. Different banks offer different conditions, and what works for one person's needs and spending habits may not work for someone else. So how can you really say what's better or worse? It's more about personal needs and convenience.