Thanks GUWonder,

unfortunately Malmö doesn't work for me to well. I live not 'only' east to bridge, need to go all the way east until the cost. Living in greater Kristianstad area.

The Coop in downtown Kristianstad is very nice as it just opened but not very convenient for shopping, I only go there if I need to get something from Systembolaget.

Anyway the Betalo option is worth getting the card. I just need to make sure not to miss any payment due dates and pay in fees for missed payment what I earned in miles