For me its opportunity cost, I don't see the point in spending my bitcoin while I am still earning South African rands
Sometimes you can save by paying in BTC. Not sure about South Africa, bet at least in Europe and USA one way is paying for Amazon stuff through Purse.IO. Than you just pay with BTC and then buy more sats with fiat. Same is with airBaltic and probably other airlnes, where you can save few euros credit card processing fee that way.
We don't have credit card programs like that, the ones we have are points based and a waste of time, and I prefer using cash unless I have no choice when I am shopping online
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I wasn't talking about credit card programs, airlines sometimes add some fixed fee like 5-6 EUR just because you are paying with any card (likely because of chargeback risks, etc).
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