Am I losing out if I choose not to have any credit cards? I'm a fresh grad, but still living with my parents. I don't spend much, so I don't think I can hit the minimum spending for certain rebates?

Credit cards create credit scores which are useful in the future

It shouldn't be too stressful if you set up automatic bill payment. Just be sure that you spend what you can afford.

As for the perks, rewards and suitable cards for you, ZY has them listed.