It seems that most banks have very little information about their terms on their websites. So are there no options for a no-fee credit card, then?
Generally speaking, You might find that there are promotions to avoid monthly/yearly fees, but you'll still be hit with huge fees for cash withdrawals/etc.
Given the other sources of revenue available to credit card companies (interest and transaction fees on businesses), it just seems hard to imagine that there wouldn't be some option on that front.
It's just not how they work in Poland, unfortunately.
I really dislike using debit cards, but it just isn't practical to always pay cash for everything.
What's the difference? Debit cards are normally free to issue, free to use and free to withdraw cash - it would be unheard of here (or in Europe in general) to use a credit card for day to day stuff.
So do you just pay all of your bills with electronic funds transfers or whatever, then?
Yes. Transfers are the way how much business is done here - I don't use my debit card for any regular payments for gas, administration fees, etc.