“Se eu pudesse criar cartão de cartão ou aplicativo, seria o meu sonho o recurso de milhas, de pontos. Tudo o que você gasta, gera pontos então isso pra mim seria perfeito, perfeito mesmo.”

“Maybe if I could create a dream travel payment card or app, maybe I would get rewards every time I use the app or payment card. And I would also hear about the rewards or points as cash tokens so that it would be worth using the app or payment card.”

“If I could receive points for traveling if I were to travel somewhere and I could receive points which could later on give me discounts would be very, very helpful. It would be a really cool feature that would I think would make me more likely to use. If it could give me experiences or suggestions of experiences that I could indulge in while I'm there would be well, I think that would make my trip very enjoyable.”

“I think rewards in the way of genuine discounts would be really good. So things like, travel, lounge airport lounges, things like that, a reduced entry to those, that would be amazing. I can't really think of anything else. There have to be genuine rewards. There have to be things where I really, really think I'm saving money. Otherwise, it just doesn't work for me.”

“My ideal card would have fair rates, cashback on travel, included insurance, app security, and extra benefits like VIP lounges.”

“I will see, making it fee free. Spending internationally doesn't have to come at a price. Like, one of the Apex would be, the card will have to be fee free. The card have to have, like, a cashback credit. If you buy something, you get a cashback when you pay on internationally. So, yeah, this one will be two rewards that I will say that I would like to put in the app if I have a, I have to create a free travel card app, app, having it making it have a cashback when you pay online and also fee free. Not that you're free internationally when you buy something. Yeah.”

“Look, I think the app, the card of my dreams, would have to offer it whenever I created an account, even outside the country, for example. If I could also use the points to exchange for some resources like accommodation, airline tickets, this already has some benefits, but not all of them, so being able to have this option of what to use outside the country as well, teleshopping, I think it would be very nice for me, right? So, having lower fees in the exchange part, for example, I think that would also be ideal there to have a better economy and really offer cards, right, LDS, right, which are more difficult fees, I think these would be the main points for an app or credit card for transactions, for example.”

“And the perks I would, like would be, like, I should get access to some discounts or some, you know, free gifts and, some premium memberships on some clubs or some participating, you know, stores or something like that.”

“Well, the credit card has, like, points that you can accumulate if you spend on booking or flight agency. So depending on, like, what offers are on at that time for my credit card, I choose that.”

“For me, what's most important is I like getting rewards points, so that's kind of what I'm mostly measuring. I'm measuring the rewards points, if there's a good deal, if there's a way I can use my rewards points for part of the purchase, if it's with an airline that I have, like, rewards points with. So that's kind of what I'm when looking at is, like, which of my cards would be most advantageous for me to use and would give me, like, the best deal.”

“I would choose to create a card with no annual fee, and all expenses would be converted into miles, right? Miles are great for saving money and traveling. I think it would be two points, right? It would be without annual fees and miles.”

“I would love to be able to accumulate miles or points towards free travel. That would be perfect for me. I do appreciate the cashback. That kinda makes it kinda nice. I've I've used the cash back option on my card credit cards before, and it paid for a flight in them. So that's kinda awesome too.”

“When I'm online, I prefer to use, a credit card that offers, free international, you know, transactions. So there's there's no, international currency fees. Also, a credit card that has, you know, travel related, points or miles. That way I can, use them for future trips or even get a discount or possibly free, flights, hotels, etcetera, due to points that I've accumulated over time.”

“I think for me is the the the app that will be I can use where I can book anywhere around the world. It's like bookings.com or either some sort of a trip.com that has a train, taxi or Uber or Grab, whatever it is, all inclusive in one app. And it's available anywhere around the world with with point system, which is I can earn points and I can claim it back like a credit card type, like a frequent flyer like Qantas or Virgin. So here in Australia, so basically I can earn points and I can claim it back because being a loyal customer. So I want something like app or website that I can use anywhere around the world and is accepted around the world when it comes to hotels, bookings, any port purchases, traveling, using their taxis or any Uber around the world or anywhere around the world, anywhere where I go, and also very secured payment options, and also user friendly as as much as possible and easy to use as to speak. Straightforward. Okay? So yeah. I think that will be an enjoyable ones for me. Yes.”

“I think I I like to answer this one. I think you could approach it three ways. The first one is rewards and rebates where if you have a certain amount of points, you can you can avail it to go to a certain restaurant, to behave to have a certain percentage off or a certain price off a certain certain brands or brand or clothing style or food stores, whatever you think of. The second the second type is is like a mileage. It's it's it's common. Like, for example, every time you make a purchase of a ticket and, you use their card or their code, you'll be able to get what? Certain amount of miles which you can convert to and then place it in the and use it for your next flight. The next one, I think, which is usually the nice one is that, let's say, for every x amount of x amount of money you spend, you get one point, and then that point is, you know, it lessens your bill. However, what is the distinction with the first one? The first one doesn't decrease your bill, but you get another item or reward. The sec the third one is like you get a minus or a deduction in your total overall spend expenditure. So I think it's a nice idea. I really like that one. My current my current credit card cannot do that, unfortunately. It has a reward, which is the first one. But the third one, that sometimes is really important, so that would be nice. Second one is, well, it's minimal, but, well, it would be nice too.”

“Well, my dream payment app would have a lot of cashback and a lot of product exchange options, being able to choose between cashback or the product you prefer and exclusive discounts.”

“Yes, I'd like to see something like that from others, like a way to collect points, cashback or something like that. We've said that with every purchase, you collect points, and you can then redeem them at some point for something, like discounts or something like that.”

“Well, an application where I could edit the title of that purchase and put there what was purchased, or which store it was in, which establishment it was in would be great for me to have more control, that it would collect miles and points so that I would have an advantage on that trip or on future trips, that it would offer me the conversion of different currencies, it would show the IOF rates and all possible conversions.”

“If I could create a dream travel payment card or app, the special features or perks that I would, put is also you can put some rewards when using or paying your card internationally. So, also, it's a good features that you can add on your cards.”

“My perfect or dream travel payment card would have a lot of rewards in it when I spend money abroad or overseas. Something that beats the typical 3% cashback or 3% credit and something too that waves international credit fees. I don't want any fees applied while I'm making purchases. I don't want a lot of rewards when I spend my money.”

“So for me, I kinda like small points in on travel. This is, like, you could get the money back as, like, some form of, like, travel credit or something that you could use, like, towards flights. I know you can get reward travel cards already, but, like, the APR and stuff on them is, like, ridiculously expensive as well. So I'd kinda like perks like that, sort of more upgrades that's sort of a more just generic, more suitable consumer, like, credit card that was sort of an all rounder. That's kind of what I would prefer specifically as the user in this instance for me. And that would be sort of make my trips more enjoyable because the spending's sort of, like, going towards them as well. So it's kind of what would improve it for me.”

“There's definitely some special cashback, right? Because when we travel, we spend so much on so many things, right? Here, there's travel insurance, flights, accommodations, food, and shopping, so I think if there was anything special, that would be the method, you know? I think credit cards are a very safe payment method, right? Both for those who sell services and for those who use them. Right? So, it would be a credit card, and something special would be cashback. I don't know, maybe something different, right? For international expenses.”

“So I think that cashback would be really, really good, as well as the ability to, like, instantly freeze it in case the card does get cloned or in case I lose the card. And then also having maybe different pots for spending. Like, it could be, like, a prepaid card, but I might have a pot on the app which is set aside for, like, restaurants and a pot that's set aside for, like, souvenirs and another one for excursions maybe.”

“I wanted to have rewards points that you can actually get instantaneously or in the same so that you can use the rewards when you travel in that particular day. For example, if I use the payment card, say, I can use it to buy food in this in this convenience store, or I can one of the rewards is I can have a picture a picture of a a place or there there's an additional itinerary that I can get based on the the perks of the card that I can use in the tar travel. So the so it's important that I can easily use the rewards so I can enjoy it while traveling.”

“When choosing how to pay, I want something that is very convenient, but also gives me cash back and rewards. I really like using my Amex card because it doesn't include international fees when I'm making a purchase with that, and I also get double cash back on food.”

“Yeah. I would say that probably would be appealing especially if it's something, that you're gonna be using frequently. As I mentioned, I tend to travel two times a year. So, if it was an app that I was gonna be using regularly, then I think that loyalty rewards would probably be good as well as incentives, maybe give you a reason to keep using the app.”

“I would welcome all kinds of cashback, meaning any kind of opportunity to get money back. If it were products available as rewards in a bonus program, then I would welcome all kinds of travel items.”

“I guess one thing would be having, travel insurance included, and maybe other types of insurances, for example, like mobile phone, insurance, for example, if it's stolen, for example. I guess I would love to have, like, lounge passes, a reward part as well. So you gain points for necessarily, for spending money and also as mentioned that for for flights, you get to go to some lounges in the airport, favorable exchange rate, so, and low fees. So no, low ability, no annual fee if it's my, my dream card. What else is it gonna say? I'm able to, choose the, the cap of my credit card at any one time, so I can go as low as 500 or all the way to, you know, 10,000. Let's see. So gain reward points. Yeah. I think, yes. So no ATM fees in foreign, no, in foreign countries is also very good. Let's see. You know, if there's a a one off bonus when signing up, it'd be very nice. For example, like reward points, or cashbacks or flight credit, for example. Maybe a a good online portal system of good customer service as well. Yep.”

“First of all, I would like a card that have miles reward. It does. Miles reward. So, like, airplane, you know, those airplane tickets that you can redeem. And my hotel discounts or restaurant discounts. Any discounts or rewards, basically, or rebate.”

“If I get a cash back from it, I would use that option if there's a rebate, especially for credit cards or if there are points that can be accumulated while using that said credit card, like, reward system. That's how. But if there's really no option, then cash it is.”

“If I could create my dream travel payment card or app, what special features or perks would it have? Man, I think if there was a travel payment card that was specifically focused on getting you out of your comfort zone, if that makes sense. So, you know, there'd be higher percentages of cashbacks for certain, you know, cultural engagements, entertainment that you visit, places that you go, things that you do to encourage curiosity and adventure. I think that'd be really neat.”

“So things like perks, I'd maybe, you know, I'd I'd I I really like the perks I get with American Express. So, you you know, I used to I get a companion voucher each year, which saves a lot of money, and then get air miles from day to day spend. So I think that's really useful. So maybe a card that, you know, you could pay you could pay any currency on and it had very competitive exchange rates, that also gave you some sort of material benefit like air miles. So it kinda you know, there's no stress that nowhere's not going to accept that no you know, that some places wouldn't accept your card somewhere that would be accepted everywhere. Any card machine, any currency, I think would be really good. And, yes, just that had benefits for the vary depending on how much you spend on it.”

“I mean, the best thing is is just giving me the most points back. And so it's it's so it it's like that's like a discount for everything I do. Anything that can be discounts or points back, that's what's most important to me.”

“It might recognize that I'm on holiday in a particular location and pop up some novel notifications, often near local discounts or special prices on local attractions. That would be quite impressive, and and that would make it more enjoyable.”

“So our main reasons, all our motivations for us traveling internationally is that, we like to explore new ideas, to have fun, to learn culture, and, when we have a better flights that, have give us offers and, rewards like, maybe up in royalty points. So once we travel and this air air flight, the airlines tell us that if you make this that the number of travels, we'll give you this, what can I say? This right points, or we cut the price for you. Yeah. I'll just be with you, yeah, some kind of appreciation.”

“I think in a payment card, the special perks it would have or have to make to make my trips even more enjoyable would just be an all in card. So something that offers no FX fees, offers that protection that a credit card offers whilst not charging to use an ATM because most credit cards do charge to use an ATM. And then perhaps having a perk on top of that. So, for example, a cashback element or something like that. I think all of that as a bundle would be, a really enjoyable, financial product to use.”

“Lower exchange rates, perks, especially when you're in a specific city. So there are partnerships with local local retailers or dining perks. It would also be great to have some specific, let's say, experiences specific to those card or payment app holders that they can experience when they're, members of this particular payment service for payment card.”

“The benefits it will bring me. If I pay in installments on my credit card, what points will I receive to exchange for miles later? Security and the conversion rate are also very important.”

“Normalmente uso cartão de crédito, porque o cartão de crédito os gastos já viram milhas também, então acaba tendo retorno do que eu gastei né.”

“I wouldn't mind a bonus program where I collect points and can earn special rewards.”

“The reward or incentive like cashback available or, you know, if you if I spend, something over to it, I'll get, this much, discount on the purchase, and similar to, rewards like that, that can be really helpful, and it will make my trip, enjoyable as well.”

“Okay. So I like this question. So if I can create my DreamTravel card app. So the features, as I said, so it can be, it can be customized based on the based on the, like, the country. So for example, if I want to go to Hong Kong, then the card will have, like, trips or trips or tours that it have and that it will offer to the to the traveler with, like, discounts that if if it reaches reaches an amount, so it will also convert into, a specific benefit. So I think that's enjoyable for me. For example, I need to spend, like, 5,000 pesos to get, like, 20% on Disneyland in Hong Kong, something like something like that. So it will be more attractive to me and enjoyable. So, it will be, like, tailored to the to what country the traveler is going to go and their benefits or perks about it. Yeah. And, also, the most important thing I have is the lounge access for airport. So that's really, yeah, that's really, like, either one or two of my, reason for credit cards. So I really enjoy the free lounge access.”

“Yeah. I I would love to be able to get rewards and stuff for overseas purchases, maybe more rewards, friendly conversion rates as well.”

“Real time reward points, you know, in the UI. And this is our your reward points. You know? And and you want to shop with your reward points? Here. You can go to Costco or something. Tap. Tap. Tap. It's all in the phone. That's what's your question. I think. Well, that's good. That's good. Very good. I think that's what I dream app is. Real time transactions, UI to show the balance. You can withdraw in participating ATM that is converting because international money or some real time rewards update.”

“Maybe, like, a all in one type app which has the like, a prepaid travel method that also accumulates points, that also converts the currency. And then maybe, like, your points accumulate, you can use that towards flights, booking, accommodation. Yeah. I think the loyalty endpoints are, like, a perk that that I would use in an app like that.”

“Probably the rewards factor of it. You know, what what am I gonna get out of it, especially if, you know, if you have a rewards program with, like, American Airlines, for example, for me. The points aspect out of it, what what am I gonna get in return for it. So that's usually what I what I look at when I'm gonna choose what to pay with.”

“Yeah. Definitely getting reward points or, like, a cashback feature would be nice, especially something like collecting points and, like, miles for flights or something. That would be great. Yeah.”

“Extra points in cash back when I purchase on travel related items.”