Everything is already well thought.
Is it a yearly fee for the debit card? Mine is 40 CHF.
You might need a “real” credit card in addition.
And if you are using often public transport and/or buying GA, Reka card might be a nice addition. It cost something (30 CHF per year?) and you kind of get an account which you charge with 3% discount and use the balance for public transport, cable cars, Reka accomodations, etc, sometimes restaurants.