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TopCard Visa Card Platinum

Platinum credit card

General

Card network

Visa

Card type

Platinum

Issuer

TopCard

Currency

CHF, USD, EUR

General information

A gross annual income of at least CHF 120,000 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 250.00. In subsequent years, the annual fee is CHF 500.00.
From an annual turnover of CHF 40,000 to CHF 80,000 the annual fee is CHF 250.00. If the annual turnover exceeds CHF 80,000, the annual fee is completely waived.

Paper invoice

Kostenlos.

Additional cards

Up to 3 additional cards, free of charge.

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, Additional cards

Car rental discounts

Up to 20% discount and no deposit on standard rentals from Europcar.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges) plus 4 complimentary lounge visits annually.

Concierge service

Concierge service provided by Europ Assistance. Services are provided by Europ partners. No additional booking fee.

Insurance: death & disability

In the event of death and disability up to CHF 1,000,000 (family maximum CHF 5,000,000).

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search and rescue costs covered per incident and year.

Insurance: cancellation & assistance

Travel Protection Plus (included): Benefit of up to 30,000 francs per incident for trip cancellations and trip interruptions. Trip delays of 3 hours or more are covered up to 800 francs per person.

Insurance: medical expenses

Travel Protection Plus (included): Coverage of up to 1,000,000 Swiss francs per person.

Insurance: car rental

Collision and loss damage waiver of up to 10,000 Swiss francs per incident.
Collision and comprehensive rental car insurance coverage of up to 50,000 Swiss francs per incident.

Insurance: luggage

Travel Protection Plus (included): Coverage of up to 10,000 Swiss francs for lost/stolen/damaged luggage per incident. Up to 4000 francs per incident towards the purchase of essential items during luggage delays.

Insurance: purchase protection

Travel Protection Plus (included): Coverage of up to 3500 Swiss francs per claim against accidental damage, up to a maximum of 20,000 francs per year.

Insurance: best price guarantee

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