They are trying to increase the use of debit cards to increase their profits.
States and consumer advocates think that gift card fees, such as deductions every month if you don't use the card, are unfair to consumers. Many states, led by California, have enacted legislation severely limiting or even banning such fees.
Credit cards offer convenience. Credit cards offer emergency life preservers. If you start to use your credit card for daily expenses, and you start paying for pizza at 18 percent interest -- do the math.
Gift cards are popular because you don't have to buy a gift, ... You just have to know where they like to shop.
As for the consumer, I think the savings is diminished compared to how much more the bank will make in these transactions. They are trying to increase the use of debit cards to increase their profits.
The law allows credit card companies to change your rates and terms at any time, for any reason.