General
General information
For LOEB Club members, but membership is free.
One emergency credit card per year free of charge.
General conditions
Not specified.
Spending limit
There is no maximum limit.
Payment method
Individual IBAN, 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
A late payment fee of CHF 20.00 per payment reminder applies.
Costs
Annual fee
There is no annual fee to pay.
Additional cards
Additional cards: free of charge.
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 2% of the purchase amount.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 2% of the purchase amount.
Exchange rate markup
2.755% 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 2.00%.
Special services
Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Emergency money, Online account, PIN
Bonus points / cash-back
2 Gold points per 1 franc purchase at LOEB (this corresponds to a 2% discount on purchases), outside LOEB an additional 0.5% cashback (turnover bonus). Especially for a Swiss credit card: The cashback is granted for all transactions, i.e. including cash withdrawals and transactions, cash-like transactions for securities trading and foreign exchange, fees and interest, gambling and gambling-like services.
Various vouchers & discounts
Select privileges for LOEB Club members.
Insurance: purchase protection
Coverage of up to 3000 Swiss francs per claim for delivery of purchases, up to a maximum of 15,000 francs per year. Deductible: 50 Swiss francs.
Insurance: warranty
Manufacturers warranty extended up to 24 additional months for up to 4000 francs per year in purchases.
Insurance: best price guarantee
Differences of 20 Swiss francs or more between purchase prices and lower offers are reimbursed up to 4000 Swiss francs per claim and year.
Insurance: legal protection
Shopping legal insurance of up to 15,000 francs per incident and year.
