Just said yes for an upgrade to Paid Insignia card, been using a paid WORLD Safari card hitting all the milestones from past couple years. I tried to convince her for FYF in place of equivalent reward points after using the card but she denied.
I believe due to the reward points on international transactions(10 points per 100 spent) we are getting 2.5% back and markup of 1.77% with gst makes a good return compared to World Safari. And all other benefits the card offers is a plus point too.