The maximum spending limit depends on the outcome of the credit assessment.
The maximum limit is CHF 50,000 per month.
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.
In the first year, the annual fee is CHF 108.00. In subsequent years, the annual fee is CHF 216.00.
The monthly paper invoice costs CHF 2.00.
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.
Cash withdrawal in Switzerland:
Per cash withdrawal in Switzerland there is a fee of 3.75% of the amount with a minimum of CHF 5.00.
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 1.75%.
Samsung Pay, Apple Pay, Google Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Emergency money, Online account, PIN
Bonus points / cash-back:
Bonus rewards program: You earn 1 Bonus point for each 1 Swiss franc in purchases from certain Bonus partners. 2 points per 5 francs at certain Bonus partners. 1 point per 5 francs in purchases at other merchants. Points can be redeemed for cash back at the rate of 2 points per 1 centime.
Car rental discounts:
Up to 25% discount cars and utility vehicles.
Concierge service provided by Allianz Global Assistance (AGA). Services are provided by AGA partners. No additional booking fee.
Various vouchers & discounts:
Up to 10% discount at Sunstar hotels. Various vouchers and discounts – including discounts on ski passes.
Insurance: rescue & repatriation:
Coverage of up to 50,000 Swiss francs.
Insurance: cancellation & assistance:
Coverage of up to 20,000 Swiss francs for trip cancellations (ahead of and during a trip) per incident and year for you and your family. Travel assistance.
Insurance: car rental:
Collision and loss damage waiver up to 2000 Swiss francs per incident.
Insurance: purchase protection:
Coverage of up to 3000 Swiss francs per claim for delivery of purchases, up to a maximum of 15,000 francs per year.
Manufacturers warranty extended up to 24 additional months for up to 4000 francs per year in purchases.
Insurance: best price guarantee:
Differences of 20 Swiss francs or more between purchase prices and lower offers are reimbursed up to 4000 Swiss francs per claim and year.
Insurance: legal protection:
Travel legal insurance of up to 250,000 Swiss francs within Europe and 50,000 francs outside of Europe. Shopping legal insurance of up to 15,000 francs per year.