I’m with ANZ for my mortgage and a credit card came with it. We pay it off every month no matter what. We use it for everything. It’s a frequent flyer (qantas) card so we’ve racked up hundreds of thousands of points, which is now getting our international flights later this year. If you trust yourself to pay it off consistently, then they can work in your favour.

I’ve scooped newly opened can of cat food right into the bin haha, but in my coffee def would have been worse!