The advantage of a luxury card in Cryptoriya is that it can have multiple coins on the card and make it easier for the owner to use transactions, which is the solution for many coin owners. Cryptoriya certainly will be the originator of the first card with a variety of coin contents and benefit users.
Though luxury card is more costly than a normal card, we can do a lot using luxury card. There are always an advantage to an expensive material, you can stock a lot of your savings account, you can exchange multiple cryptocurrency and you have a lot of benefits using luxury card. Definitely, if you don't want to experience inefficiencies then grab the luxury card.
Your right, luxury card is has more advantages in terms of uses than the regular one, but if you have enough token to buy luxury card, then use the regular one in a short period of time, and if you think you can buy the luxury card when the time come that you have enough money, then buy and change the regular one.