A close friend of mine told me about the phone card she's using and referred me (we both got bonus minutes for the referral) to Onesuite. I signed up using Paypal (you can also use Mastercard or Visa) and bought $20 ($10, $15, $20, $30 are available too) of credits and in minutes I was connected to my friend in India. Rates are very good in all countries and some (about 2 dozens or so) have their own access numbers, meaning you can use your account while...say in India, China or U.K.
Onesuite is rich in features like Zipdial where you don't need to type in your PIN and Rapidial (onesuite online phonebook) make calling so much easier and save time too. Onesuite also added VoIP in their products and their service are now more accessible than ever. Now you can make voip calls on your computer and if you are techie enough you can use ATA device and use Onesuite Broadband services without the need for computer.
Disappearing minutes are now a thing of the past because in Onesuite you can check your account history online and in real time. Calls, phone numbers, date and time of calls are just a few of information you can see and confirm unlike over the counter phone cards where you won't know if the minutes you consumed is correct. Now no more wild guessing plus you could always phone their toll free 24/7 live customer support for any Onesuite related inquiry.