I have some credit cards from different banks. but now I am sure that the only kind of rewards I want are airline miles.
the premier miles card seems to have the most coverage(flying to Usa/EU or thailand)

So do you recommend it?
My careabouts are
1. I always pay my card bill on time and I do it online. If I don't have a citibank account, will there be any problems. I am sure I can use VISA transfer which some banks offer
2. I use my credit card abroad. Most banks have the 3.5% fees. What is the fees here?
3. Some banks block your transaction when made abroad. For example. HDFC declines transactions made on agoda.com sometimes. Its quite silly to be stuck in a foreign country without a functioning card
4. Does it come with chip and pin. I require chip and pin
5. Do they trouble you with hidden fees. I remember citibank was notorious for adding things like insurance and stuff(which were opt out and not opt in)

Feedback please