Okay you don't have a CC so are you paying for everything with a debit card, nothing wrong with that
But what if you have to hire a car while on these holidays, have you got the funds to cover the security deposit they might charge
The stamp duty of €30 plus the annual charge €76.16 comes in cheaper then the quotes you listed in post #19
With regards to paying "100%" within one month there are ways around this
And you only have to 50% of the holiday for the whole family to be covered
There is also the
AER Credit Card which has more benefits the the Platinum but a slightly dearer annual charge of €78