General
General information
Standard credit card "Visa LibertyCard" from Bonus Card.
Replacement cards are free of charge (covered by loss protection). Loss protection for main and additional cards is free of charge.
General conditions
Not specified.
Spending limit
There is no maximum limit.
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 13% is owed.
Late payment fees
A late payment fee of CHF 20.00 per payment reminder applies.
Costs
Annual fee
In the first year, the annual fee is CHF 30.00. In subsequent years, the annual fee is CHF 60.00.
Paper invoice
The monthly paper invoice costs CHF 2.00.
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 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.
Exchange rate markup
2.651% 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 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%.
Special services
Samsung Pay, Apple Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN
Bonus points / cash-back
Liberty rewards program: You earn 1 Liberty point for each 1 franc of purchases charged. 2 points per 1 franc of transportation purchases (public transportation, gas stations, car rentals and more).
Car rental discounts
Up to 25% discount cars and utility vehicles (Avis).
Frequent flyer miles
Bonus points can be exchanged for airline miles in the Reward Shop.
Charity & sustainability
Bonus points can be redeemed in the rewards store for charity programs.
Insurance: rescue & repatriation
Family coverage of up to 50,000 Swiss francs.
Insurance: cancellation & assistance
Coverage of up to 10,000 Swiss francs per incident and year for cancellations ahead of a trip for you and your family.
Insurance: luggage
Coverage of up to 2000 Swiss francs per incident for you and your family. A 200 franc deductible applies.
Insurance: legal protection
Travel legal insurance of up to 250,000 Swiss francs within Europe and 50,000 francs outside of Europe for you and your family.
