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Credit Cards

Credit Suisse World Mastercard Gold

Gold credit card
Private account necessary

General

Card network

Mastercard

Card type

Gold

Issuer

Swisscard AECS

Currency

CHF, USD, EUR

General information

Not specified.

General conditions

In order to get the card, you need an account with the same bank.

Spending limit

The maximum limit is CHF 30,000 per month.

Payment method

eBill, Direct debit (LSV), QR-bill

Carrying balances

Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 12% is owed.

Late payment fees

A late payment fee of CHF 20.00 per payment reminder applies.

Customer satisfaction

General satisfaction 8.3/10 (Very good)

Helpfulness 8.3/10 (Very good)

Product information 7.9/10 (Good)

Assistance 8.1/10 (Very 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

The annual fee is CHF 200.00.
From an annual turnover of CHF 10,000 to CHF 20,000 the annual fee is CHF 100.00. If the annual turnover exceeds CHF 20,000, the annual fee is completely waived.

Paper invoice

The monthly paper invoice costs CHF 1.95.

Additional cards

Annual fee for additional card: CHF 75.

Card loss

A replacement card costs CHF 25.00.

Purchase abroad in CHF

Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 2.5% of the purchase amount.

Purchase abroad in foreign currency

For purchases abroad or online in foreign currencies there is an administrative fee of 2.5% of the purchase amount.

Exchange rate markup

1.91% 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 5.00.

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 2.50%.

Special services

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

Insurance: death & disability

Coverage of up to 700,000 Swiss francs in the event of death or permanent disability.

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search and rescue costs covered.

Insurance: cancellation & assistance

Coverage of up to 150 Swiss francs of personal care and lodging costs covered in the event of eligible flight delays, flight cancellations or missed connections.

Insurance: luggage

Up to 4000 Swiss francs for luggage loss, theft or damage. Up to 700 Swiss francs for additional costs resulting from luggage delays of 6 hours or more.