In my country on my specific credit card, I get back about 1.5% of my spend through the card. Over the last five years I've banked for free, but not just that:

In my country on my specific credit card, I get back about 1.5% of my spend through the card. Over the last five years I've banked for free, but not just that: I get back about 5x to 8x my bank fees alone. That doesn't count all sorts of promo's/discounts through their partners. As an example, my bank has a deal the past year with one of our major pharmacy chains and I get a ton of discounts when I use my card there (they ask at tills if I'm paying with the card), that is on top of normal in-store promos. So the "game" is very much worth it to play in my situation. Funny enough, they charge a flat fee for international transactions and 0% currency conversions, and they use MasterCard, which means free travel insurance. Its an amazing bank. Typically the bank is known to target rural/informal to middle class customers, but they have quite a few wealthier clients which feels like the best kept secret.