I have been on three cruises with Oceania and always get the prestige package. I just got off the insignia yesterday and all you have to do is give your room card. There is no paper transaction. They just take it to the bar and swipe it or if you were at the end of a meal, they take it then. Sometimes depending on the waiter you needed to give both cards if there are two of you or sometimes just one. It is a very easy process because you are carrying that with you all the time anyway. They do not take it for each time you get another drink or another glass of wine. It is only one time! Supposedly tips are included with the prestige package, but I honestly took a bunch of small money and tipped them from time to time! They work very long hard hours and we felt good doing that! Also, if you had the package that is included and you want to upgrade, you do that when you first get on board and then you have to go to reception and get a new room card.