Yeah withdrawing is definitely a bit of a process, but I've gotten spot or better the past couple of times I've withdrawn from Coinspot. So yeah will be interesting to see how this TenX card compares - a 7% premium on everything you do would add up pretty quickly - you'd be saving exactly 7% less ... perhaps more if it was easier to spend your crypto!
Who knows though, other side of the coin is I usually withdraw more than I need when I do actually do a withdrawal ...