You can use service called Rebtel. It allows lowest calling rates in the world. YOu can use your cell phone to call anywhere in the world to landline or cell phone.

You can choose any one from the different CCs. There are many services avialable in market which recommends you the best credit card according to your usage profile.

One day I just stumbled upon this site Billshrink.and realised that I can actually find out which are the kind of credit cards that will help me maximize the bonus points, based on my usage pattern. So I can actually choose a card that will suit my pattern of spending and also maximize points for me. Now that's a cool idea. May be it will work ...

May be mobile operator reduce their charges. Not confirm.