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TCS Member Mastercard

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Travel insurance

TCS Member Mastercard

Standard credit card
For TCS members
With cash back

Apply now

General

Card network

Mastercard

Card type

Standard

Issuer

Cembra Money Bank

Currency

CHF

General information

Only for TCS members. 1% cashback when using cards at SWISS, Edelweiss, SBB, Mobility and Airbnb. 2.75% petrol station cashback at BP, Tamoil and 1.65% at Ruedi Rüssel and Miniprix. 5% charging cashback in Switzerland & Europe with the TCS eCharge app, 20% parking cashback in Switzerland with the TCS Park & Pay app, 5% cashback on TCS rental cars. With individual design possible for a one-off fee of 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

Annual fee for main card: CHF 0. The comparison accounts for the CHF 32 minimum TCS membership fee.

Paper invoice

The monthly paper invoice costs CHF 2.50.

Additional cards

Additional card: CHF 0 (up to 3 additional cards).

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

Bonus points / cash-back

Car rental discounts

Discount for TCS rental cars: Discount of additional 5% on already discounted member offers.

Various vouchers & discounts

4 to 5 centimes sales discount per liter on all transactions at BP and Tamoil service stations (2 to 3 centimes per liter at Ruedi Rüssel and Miniprix) in Switzerland and the Principality of Liechtenstein on purchases in Swiss francs.
Various benefits and discounts when purchasing goods and services from value-added partners.

Insurance: death & disability

Coverage of up to 300,000 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.