Agreed a decent (doesnt need to be the worlds best) cashback would be a big selling point. I end up going through phases of using a new credit card or new account to tip over some spending limit in X months to get avios or miles or some perk. A card that just consistently did ‘ok’ would help to keep me.
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Exactly, I’ve never had to make a phone claim in my life. A couple of screen cracks here or there but small ones I chose to live with.
My reasons for not upgrading are primarily that I get free travel insurance from work and phone is insured already so it doesn’t make sense for me. If I lost that free travel insurance I may consider it but for now it doesn’t make sense for me.