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Poinz Card Amex

Free credit card
With cash back
No annual fees

General

Card network

American Express

Card type

Standard

Issuer

Swisscard AECS

Currency

CHF

General information

Card with cashback function, Apple Pay, Google Pay and Samsung Pay.
Cashback points can be paid out on account from CHF 100 or exchanged for vouchers (with additional cashback).
Various additional insurances available for a fee.

General conditions

Not specified.

Spending limit

The maximum limit is CHF 10,000 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 14% is owed.

Late payment fees

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

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

There is no annual fee to pay.

Paper invoice

The monthly paper invoice costs CHF 1.95.

Additional cards

Additional cards: free of charge.

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 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 2.50%.

Special services

Samsung Pay, Apple Pay, Google Pay, Contactless payments, Mobile access, Online account, PIN, SMS service, Additional cards

Bonus points / cash-back

Amex: 1% cash back on purchases, 3% welcome cash back during first 3 months. Fees, interest charges and cash advances do not qualify as purchases.

Various vouchers & discounts

Select privileges for American Express members.

Insurance: warranty

Goods return insurance up to 1000 francs per purchase (from 60 francs).