TopCard Visa Gold

  • Gold credit card

General

Card network
Visa
Card type
Gold
Issuer
TopCard
Currency
CHF, USD, EUR
General information

A gross annual income of at least CHF 75,000 is required.

General conditions
Not specified.
Spending limit
There is no maximum limit.
Payment method
eBill, 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 14% is owed.
Late payment fees
CHF 30 to CHF 60: No late payment fee for first payment reminder. CHF 30 for second reminder. CHF 60 for each additional reminder.

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
In the first year, the annual fee is CHF 100.00. In subsequent years, the annual fee is CHF 200.00.
Paper invoice
Kostenlos.
Additional cards

Annual fee for additional (or partner) card: CHF 50.

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 1.75% of the purchase amount.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.
Exchange rate markup
1.865% 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 1.75%.
Special services
Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service
Car rental discounts

Up to 15% discount on standard rentals from Europcar.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges). Entrance fees apply.

Insurance: death & disability

Coverage of up to 600,000 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 per incident and year.

Insurance: car rental

Collision and loss damage waiver up to 10,000 Swiss francs.

Insurance: best price guarantee

Differences between purchase prices and lower offers reimbursed up to 2000 Swiss francs per year.

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Swiss Bank

Bank WIR Bankpaket Top

  • Free account & card

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Benefit now
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Allianz Fund Investments

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