Confo’Card Mastercard

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Credit Cards

Confo’Card Mastercard

  • Free credit card

  • No annual fees

General

Card network
Mastercard
Card type
Standard
Issuer
Cembra Money Bank
Currency
CHF
General information

Individual design possible (fee of CHF 30).

General conditions
Not specified.
Spending limit
The maximum limit is CHF 20,000 per month.
Payment method
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 13.95% is owed.
Late payment fees
A late payment fee of CHF 30.00 per payment reminder applies.

Customer satisfaction

General satisfaction    7.6/10 (Good)
Helpfulness    7.9/10 (Good)
Product information    7.4/10 (Good)
Assistance    7.7/10 (Good)

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 2.50.
Additional cards

Additional card for free.

Card loss
A replacement card costs CHF 20.00.
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
3.011% 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 10.00.
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, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Individual credit card design, Contactless payments, Mobile access, Online account, PIN, SMS service, Additional cards
Bonus points / cash-back

Purchases from Conforama worth 500 Swiss francs or more benefit from 0% interest for 3 months. 
You earn 1 point per 1 franc in purchases.

Various vouchers & discounts

Conforama Switzerland welcome discount of 15%.

Insurance: rescue & repatriation

SOS Assistance: rescue, search and repatriation costs up to CHF 60,000 per event and person.

Insurance: cancellation & assistance

SOS Assistance: Additional costs of an unscheduled return journey up to CHF 60,000.

Insurance: luggage

Coverage of up to 450 Swiss francs towards the cost of necessary items during luggage delays of 6 hours or more.

Insurance: purchase protection

Coverage of up to 2000 Swiss francs per claim against theft, robbery and accidental damage within 30 days of purchase – up to a maximum of 5000 francs per year.