I still get interest, it's really bad though. And the transaction fees are very low here (someone said 0.2% but I don't know) which should cover a lot of infrastructure, fraud and such.

Transaction fees have a great variation depending on which contract the business has with banks or payment providers. It's not a set percentage for a country. For example a large retailer with a huge number of transactions per day will have a deal for the lowest fees possible, and then those fees differ if the card is credit or debit, national or foreign, and between standard or premium cards, and private or business cards.

If you have a job, your bank should give you a premium card and then you will get cash back instead of having to pay your bank. If your bank doesn't offer this, it's just a matter of switching to any European bank of your preference.

I don't know, my bank gives me good exchange rates, their online banking is well integrated into Swedish society, they issue my online ID even. I'm not spending enough on my card to go through the hoops, I just have a peasant VISA debit and a free MasterCard CC and I'm happy with the setup.