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Poinz Card Visa

Free credit card
With cash back
No annual fees

General

Card network

Visa

Card type

Standard

Issuer

Swisscard AECS

Currency

CHF

General information

Card with cashback function, Apple Pay, Google 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 13% 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

For purchases abroad in CHF there is no administrative fee to pay.

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

Visa card: 0.25%. Fees, interest charges and cash advances do not qualify as purchases.

Insurance: warranty

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

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Moneyland Special Offers

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Amex promotion until April 6

Amex Platinum Card

50% off the annual fee in the first year
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Special offers for Moneyland users

Moneyland Special Offers

Swiss Trading Platform

Cornèrtrader Special Offer

Special offer: particularly favorable conditions for Moneyland users
No custody account fees for shares
Swiss online bank with FINMA license

Benefit now

Free bank account

Yuh

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Banking partner: Swissquote & Postfinance
CHF 20 trading credit with code «YUHMONEYLAND»

Benefit now

Amex promotion until April 6

Amex Platinum Card

50% off the annual fee in the first year
Extra bonus: 75,000 instead of 45,000 Membership Rewards points
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Secure offer now

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