Does anyone else feel like sign-up perks are just a distraction? I’m trying to choose a travel card based on what matters a year from now — like whether the annual fee pays for itself through lounge quality or if the Forex charges are actually low enough to matter. What’s your "must-have" feature for a card to stay in your rotation?

Which bank offers the best savings account with an auto-sweep facility? How does the interest rate calculate if I choose this facility? Is there any minimum balance that I have to deposit daily, and which banks provide the most flexible terms for this facility?