[extraAccount]

I read about this online, but it seems to be mainly a US only feature. Credit cards in my country have very very little benefits of using them apart from the usual feature of paying a lot and paying it back later. There is very little incentive to get one. Our banks are probably more risk-averse or don't want to bother with partnering with airlines, insurances, etc for points.

The principle is also using the bank's money, not your money. So you make a purchase and now you owe the bank. Unless I am very strapped for money or there is an incentive program, I see little use in using one.