If you love travelling but HATE exchanging money/using CC due to the super lousy exchange rate, then you HAVE TO apply for this card.
if you have friends with this card, you should get the referral code from him/her so that you both will get to earn the $10 referral rebate.
you have to download the app and link it with your youtrip card once it has arrived. it takes a good 1-2 weeks to arrive, so do apply early! top up your youtrip card with your CC and you can purchase currency via the app too! kinda like playing with forex.
if you hate camping for good rates, it's okay too as you they will auto convert it for you with the exchange rate at the point of transaction.
the rates are the same(sometimes better) than the 'google' rates. damn worth it.
some friends will argue that ' i wont be able to earn my CC miles leh'.. but honestly, i'm not that big a spender and i dun rly need the miles.
DO NOTE that this is a debit card and not a CC, so you should bring along your CC with you too, as some places do not accept debit card.