Is there any reason why we need to pay for Revolut's premium account?

Revolut does offer sharp mid-rates for FX changes.
However, compared to Standard the only real use case I can see is for lumpy currency changes that you cannot (for some reason) space out.

The monthly limit is S$9k and if you can break out the exchange into lumps less than that - stick with Standard but if you are doing a particularly large FX transfer that cannot be split (around more than SGD 30k) then the 0.5% fee that you would pay as a standard user could outweigh the cost of premium.

• Higher free overseas withdrawal
• Airport Lounge Access
• Free disposable virtual card for online purchases

Personally, I see no point upgrading to Premium.

• I plan and change money accordingly to my usage overseas, so far never had to withdraw money overseas.
• For Airport Lounge access, I have Priority Pass from my credit card and I have AMEX Krisflyer which gives me 4 lounge vouchers.
• I have both YouTrip and Revolut cards which both I don’t store much money in so I’m not worried about cc fraud.