Migros CC: Migros is leaving Cembra soon - #278 by Myfirstme?
Using Neon for your everyday banking could be a solution (the Neon Mastercard seems to work as a debit card, as in it debits money from your account, but there should be enough money there if it’s your base account).
Otherwise, the Cumulus Visa may suit your needs, with a sizeable 2% mark-up on interbank forex rates.
I would personally just use Wise/Revolut, evaluate how much money I spend on a trip and top my card up before leaving (and keeping some base money on it for shorter trips on a whim.