UPDATED: July 2020 At this time of crisis, we must be smart financially. You can take a look at these financial products and take advantage of their technical and savvy features to earn rewards or even avoid fees like dishonour fees. Summary: 1. Transferwise Debit Card 👈 2. HSBC Everyday Global ( 2% cash rebate, $100 account opening bonus, 0% intl fees ) 3. ING (high interest, 0% intl fees) 4. UBank (high interest, sweep technology ( avoid dishonour fees ), best to link for Raiz and Spaceship Voyager) 5. Commonwealth Bank Diamond Rewards Card 6. Coles and Woolworths reward cards In Australia, with almost all merchants have EFTPOS (electronic funds transfer at point of sale) machines already, I and my family rarely use cash any more to buy our things. We use our debit/credit cards in combination with a loyalty card and/or discount card. In this regard, I am happy to share with you the plastic cards we keep and how we are saving using them. HSBC Everyday Global Reasons:  1. Whe...