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Swisscard American Express Gold Card

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Swisscard American Express Gold Card

Gold credit card

Apply now

General

Card network

American Express

Card type

Gold

Issuer

Swisscard AECS

Currency

CHF

General information

Minimum annual income: CHF 25,000.

General conditions

Not specified.

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 14% is owed.

Late payment fees

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

Customer satisfaction

General satisfaction 7.8/10 (Good)

Helpfulness 8.0/10 (Very good)

Product information 7.7/10 (Good)

Assistance 7.8/10 (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

In the first year, the annual fee is CHF 175.00. In subsequent years, the annual fee is CHF 350.00.

Paper invoice

The monthly paper invoice costs CHF 1.95.

Additional cards

Annual fee for additional card: CHF 150.

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 2.5% 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, 24-hour service, Contactless payments, Mobile access, Online account, PIN, Additional cards

Bonus points / cash-back

Membership Rewards program: You earn 1 Membership Rewards point for each 1 Swiss franc charged. 30,000 Rewards points as a welcome bonus. Annual fee can be paid with Membership Rewards points.

Car rental discounts

10% discount on car rental bookings via Rentalcars.com.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges) plus 2 complimentary lounge visits annually.
Each additional entry costs USD 35.

Various vouchers & discounts

Select privileges for American Express members.

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 300 Swiss francs towards additional costs resulting from a flight delay.

Insurance: medical expenses

Coverage of up to 10,000 Swiss francs of medical treatment and hospital costs.
The ""Medical expenses"" insurance coverage applies exclusively to insured persons up to the age of 80.

Insurance: purchase protection

Coverage of up to 2000 Swiss francs per claim against theft, robbery and accidental damage within 90 days of purchase.

Insurance: warranty

Guaranteed returns up to a limit of 2000 Swiss francs per purchase. Warranty extended up to 24 additional months (purchases up to 3000 francs).