The maximum spending limit depends on the outcome of the credit assessment.
There is no maximum limit.
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 72.00. In subsequent years, the annual fee is CHF 144.00.
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 2% of the purchase amount.
Purchase abroad in foreign currency:
For purchases abroad or online in foreign currencies there is an administrative fee of 2% 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 2.00%.
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.
Various vouchers & discounts:
Up to 10% discount at Sunstar hotels. Various vouchers and discounts – including discounts on ski passes.
Insurance: rescue & repatriation:
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 with a 50 franc deductible.
Insurance: cancellation & assistance:
Coverage of up to 10,000 Swiss francs per incident and year for cancellations before and during a trip for you and your family.
Insurance: car rental:
Coverage of up to 1000 Swiss francs per incident for you and your family.
Insurance: best price guarantee:
Differences between purchase prices and lower offers of 30 Swiss francs of more are reimbursed up to 2000 Swiss francs per claim and year.
Insurance: legal protection:
Reisen: Europa: CHF 125'000, weltweit CHF 25'000.