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Travel insurance

ACS Visa Card Gold

Gold credit card
For ACS members only
With bonus points

General

Card network

Visa

Card type

Gold

Issuer

UBS

Currency

CHF

General information

Credit card owner has to be a member of ACS. Swiss bank account necessary.

General conditions

Not specified.

Spending limit

The maximum limit is CHF 10,000 per month.

Payment method

eBill, Direct debit (LSV), QR-bill, Prepayment

Carrying balances

Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 14% is owed.

Late payment fees

CHF 30 to CHF 60: No late payment fee for first payment reminder. CHF 30 for second reminder. CHF 60 for each additional reminder.

Customer satisfaction

General satisfaction Not specified.

Helpfulness Not specified.

Product information Not specified.

Assistance Not specified.

Ratings

Customer satisfaction

Bonus points / cash-back

Car rental discounts

Frequent flyer miles

Airport lounge access

Concierge service

Charity & sustainability

Various vouchers & discounts

Insurance: death & disability

Insurance: rescue & repatriation

Insurance: medical expenses

Insurance: flight delay & cancellation

Insurance: car rental

Insurance: luggage

Insurance: purchase protection

Insurance: return protection

Insurance: best price guarantee

Insurance: legal protection

Insurance: various

Costs

Annual fee

First year free for members, subsequent years CHF 100. The CHF 80 fee for ACS membership light is accounted for in the comparison.

Paper invoice

Kostenlos.

Additional cards

Partner card is free of charge with ACS partner membership.

Card loss

Replacement cards are free of charge.

Purchase abroad in CHF

Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 1.75% of the purchase amount.

Purchase abroad in foreign currency

For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.

Exchange rate markup

1.865% is the average markup of the EUR/CHF exchange rate against the interbank rate according to the latest regular samplings of moneyland.ch. The actual markup may vary daily.

Cash withdrawal in Switzerland

Per cash withdrawal in Switzerland there is a fee of 4% of the amount with a minimum of CHF 10.00.

Cash withdrawal abroad:

Per cash withdrawal abroad there is a fee of 4% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 1.75%.

Special services

Samsung Pay, Apple Pay, Google Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN

Bonus points / cash-back

UBS KeyClub program: You earn 4 KeyClub points per 1000 Swiss francs in purchases charged.

Car rental discounts

ACS membership provides discounts of up to 20% on rentals from Sixt.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges).
Annual purchase of a lounge entry for EUR 30 required in advance (valid for 12 months). Each additional entry costs EUR 30

Various vouchers & discounts

Parking at Zurich airport: 10% discount. Various other benefits.

Insurance: death & disability

Coverage of up to 600,000 Swiss francs in the event of death or permanent disability.

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search, rescue and repatriation costs covered per incident and year.

Insurance: car rental

In the event of damage and theft, the deductible of a fully comprehensive car insurance policy while traveling is insured up to CHF 10,000 per event.

Insurance: best price guarantee

Differences between purchase prices and lower offers reimbursed up to 2000 Swiss francs per year.