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PKZ Insider Card Visa

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PKZ Insider Card Visa

Free credit card with no annual fees
0.5% cashback on all transactions
Double bonus with PKZ (Loyalty + Visa Bonus)
Welcome bonus of at least CHF 50

Apply now

General

Card network

Visa

Card type

Standard

Currency

CHF

General information

Free credit card PKZ Insider Visa from Bonus Card.
One emergency credit card per year free of charge.

General conditions

Not specified.

Spending limit

The maximum limit is CHF 10,000 per month.

Payment method

Individual IBAN, 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 12% is owed.

Late payment fees

A late payment fee of CHF 20.00 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 2.00.

Additional cards

No additional cards.

Card loss

Replacement cards are free of charge.

Purchase abroad in foreign currency

For purchases abroad or online in foreign currencies there is an administrative fee of 2% of the purchase amount.

Exchange rate markup

2.885% 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 2.00%.

Special services

Samsung Pay, Apple Pay, Google Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Emergency money, Online account, PIN

Bonus points / cash-back

1% loyalty bonus (on annual sales at PKZ) plus 0.5% cashback (turnover bonus worldwide and also at PKZ).
Especially for a Swiss credit card: The cashback is granted for all transactions, i.e. including cash withdrawals and transactions, cash-like transactions for securities trading and foreign exchange, fees and interest, gambling and gambling-like services.

Various vouchers & discounts

CHF 100 welcome bonus (until 30 June 2026).
Various PKZ loyalty benefits.