u/moonlitsofty

I used to judge credit cards almost entirely on cashback and lounge access, but after using a few over the years, I realized some of the smaller features can be surprisingly useful.

For you, what was that one benefit you completely ignored at first but now genuinely appreciate? It could be reward transfers, insurance, fuel surcharge waiver, concierge, EMI options, or something else entirely.

Curious to know which features turned out to be more valuable than they looked on paper.