Current cheapest day-to-day banking/credit card combination

I wrote Neon a long e-mail that I completely disagree with this decision to get rid of the Maestro and took all my money away from Neon and deleted the App. In Switzerland you still need a Maestro card or Cash as many places will not accept MasterCard or Visa Card or only with an extra fee. Those are mainly small places. Bit just within the last month I came open several places where I needed a Maestro for Card Payment. (My dentist -3% with instant maestro payment, Expovina seller -10% if you pay wit Maestro/Cash, Small Store in Zurich only taking Maestro, Other Place +10% for Visa/MC, Kebab Place +1 CHF for Visa/MC. Restaurant only Maestro/Postfinance, Postoffice: Only Maestro/Postfinance etc. etc.) Also Neons Mastercard is a Prepaid Card (Bin) not Debit Card, so it will get declined in some usage scenarios.

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