You should earn from what you spend, not to pay Banks for holding money in their banks.
F.E. if you have 1 BNB token you get 2% back from what you spend
If you do not want to buy $BNB, but $CRO tokens and get CRYPTO.com card with free SPOTIFY or even free NETFLIX (you get 100% chargeback from what you spend in $CRO tokens).
Check current $CRO price on coingecko
You can use Crypto.com card as normal card to withdraw from any bankomat in the world: