In the digital age, plastic and mobile wallets have become an integral part of our lives. Although paper bills are still in use, using bank cards offers many advantages. Below are the key reasons why you should pay with a card—or at least combine card use with cash.

Convenience and Speed

Instant Transactions: A few seconds and the payment is complete. No need to wait for change or count bills.

Contactless Payments: Simply tap your card or smartphone on the terminal—perfect for quick payments, especially during peak hours.

Security

Theft Protection: If your card is stolen, you can block it immediately in the mobile app. Cash offers no such protection.

PIN and Chip Security: Modern cards feature EMV chips and multi-factor authentication, minimizing fraud risk.

Expense Transparency and Budgeting

Online Transaction History: At any time, you can see where and when you paid by card, giving you precise control over your spending.

Expense Categorization: Banking apps automatically group purchases by category (“Groceries,” “Cafés,” “Transport”), help set limits, and save money.

Rewards and Cashback

Points Accumulation: Many cards return a percentage of your purchase (“cashback”) or bonus points you can use for future purchases, travel, or gifts.

Special Offers: Cards often participate in seasonal promotions: increased cashback on dining in summer or discounts on fuel in winter.

Hygiene and Health

During flu season and other outbreaks, contactless payments reduce the number of times you touch a terminal. PIN entry is rare, while cash passes through many hands and can carry germs.

Travel Convenience

Currency Exchange: Get foreign currency conversions at favorable rates directly at the terminal, without extra fees or lines.

Secure Limits: You can set daily withdrawal limits in advance to avoid risky situations abroad.

Emergency Backup

If you run out of cash or the merchant doesn’t accept bills, your card is always there to save the day. And if an ATM malfunctions or doesn’t dispense the right denominations, you can simply use another payment method.


Physical and virtual cards make payments fast, transparent, and secure, while turning every purchase into an opportunity to earn rewards and manage your budget. Combine the advantages of cards and cash—and enjoy maximum comfort and reliability in your everyday finances!