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SPAR Mastercard World

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Credit Cards

SPAR Mastercard World

Free credit card
With SPAR points
No annual fees

Apply now

General

Card network

Mastercard

Card type

Standard

Issuer

Cembra Money Bank

Currency

CHF

General information

«Free» credit card from SPAR. Installment annual interest rate inside SPAR 9.95% (from CHF 300), outside 13.95%. One-time surcharge for own design: CHF 30.

General conditions

Not specified.

Spending limit

The maximum limit is CHF 20,000 per month.

Payment method

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 13.95% is owed.

Late payment fees

A late payment fee of CHF 30.00 per payment reminder applies.

Customer satisfaction

General satisfaction 7.6/10 (Good)

Helpfulness 7.9/10 (Good)

Product information 7.4/10 (Good)

Assistance 7.7/10 (Good)

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

There is no annual fee to pay.

Paper invoice

The monthly paper invoice costs CHF 2.50.

Additional cards

Additional cards: free of charge.

Card loss

A replacement card costs CHF 20.00.

Purchase abroad in CHF

Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 1.5% of the purchase amount.

Purchase abroad in foreign currency

For purchases abroad or online in foreign currencies there is an administrative fee of 1.5% of the purchase amount.

Exchange rate markup

3.011% 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 3.75% of the amount with a minimum of CHF 10.00.

Cash withdrawal abroad:

Per cash withdrawal abroad there is a fee of 3.75% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 1.50%.

Special services

Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Individual credit card design, Contactless payments, Mobile access, Online account, PIN, SMS service, Additional cards

Bonus points / cash-back

1 SPAR point per 1 franc purchase at SPAR Switzerland, outside 1 SPAR point per 2 francs purchase. For 500 SPAR points, you get a SPAR voucher worth 5 francs.

Charity & sustainability

Card made from recycled plastic.

Insurance: rescue & repatriation

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

Insurance: cancellation & assistance

Coverage of up to 60,000 Swiss francs for trip interruptions.

Insurance: purchase protection

Purchase insurance in the amount of 5000 francs per year and 2000 francs per event.