1. There is not much difference between visa and master. The handling fee is related to iBank.

2. This question is not very clear. It is very troublesome to ask every bank. I use the Bank of China mastercard and it feels pretty good. Unless you withdraw large amounts of banknotes, there won't be much difference between 3% and 5%

3. It is recommended that you apply for a local Swedish visa or mastercard, the kind with no credit limit. Because booking tickets basically has nothing to do with banks, domestic bank cards have the same permissions, but some European air tickets do not support domestic cards, so it is more convenient to apply for a Swedish visa or mastercard.

It is recommended to book the ticket later, or book a refundable or changeable ticket, but the ticket price will be slightly more expensive.

PS There is no need to worry about this bank card issue. We all apply for local bank cards in Sweden, and we rarely use domestic bank cards, so there is no big difference between which bank and which card.