Hmm interesting. You must have a rigorous bank statement. I must contemplate about switching completely (Capitec client) because the gold card acts as a prepaid credit card, which is want I want + Paypal.
Not really. Wife and I decided that we will be using only my account. Every month she transfers x amount to my account, I have an addition linked card for her, and we swipe our card for 95% percent of our purchases.
I stopped paying Telkom and municpal accounts via EFT and pay them at Checkers when I do my monthly shopping. This makes up already R4 000.00 in swipes and 2.5% back in ebucks. Fuel is about another R3 500.00 swiped. Normal grocery shopping can easily come in at between R3k and 4K. I even swipe for a R6 can of coke. There is no charge for swiping. Most days I do not have any cash on me and if a shop does not have a card machine I go to the next one that does. Only a few times have I come across a shop where the machines were offline or not working. I simply left all my items at the till and left.