So if I understand correctly, you get £200 free cash withdrawals per month with the free card, and then pay 2% of everything else you withdraw. The premium card costs £7/month and allows you to withdraw up to £400 per month, i.e. you save £4 on cash withdrawals if you withdraw the maximum amount, so effectively you pay £3 extra and don't get anything else which is useful. The metal card costs £13/month, but you save £8 on withdrawal fees if you withdraw more than £600/month, and then you need to find a reason to make up for the extra £5, so it essentially boils down to how much you use the card outside the EU due to the cashback feature.

Also, it looks as if the card may convert currency from any random balance if you don't have money in the transaction currency, so if you have DKK, EUR and SEK on the card but make a transaction in NOK, then money could be converted from any of DKK/EUR/SEK, so better not use the card if someone else (say, an employer) is going to refund you as it is more complicated for you to figure out which exchange rate to use when billing the person.

Also, if I understand it correctly, DCC-enabled merchants think that it's a GBP card, so better avoid using the card at home so that you at least avoid the DCC fraud when you are at home and don't even have any GBP on the card.