You would come across several credit cards intended for regular card users who would maintain some balance on their cards. For the users who would maintain balances month-to-month, a low standard purchase rate has been deemed of great importance. It would be pertinent that you should choose the right credit card sg for your specific needs and requirements after making thorough comparison.
There may be other card users available that do not maintain balances over time. They would not keep balances past their grace period. These users do not benefit largely from a relatively lower rate. Therefore, they would prefer other available perks. The credit card reward programs have been designed to cater incentives for regular balance payers.