IKEA Family Credit Card

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Credit Cards

IKEA Family Credit Card

  • Free credit card

  • With IKEA points

  • No annual fees


Card network
Card type
Cembra Money Bank
General information

Only for IKEA Family Club members (free membership). Annual interest rate for partial payment on IKEA purchases: 7.95%, 13.95% for purchases outside IKEA. 3 months interest-free from CHF 50 purchase at IKEA.
The card design can be freely selected for a one-time surcharge of 30 francs.

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    8.0/10 (Very good)
Helpfulness    8.0/10 (Very good)
Product information    8.3/10 (Very good)
Assistance    7.8/10 (Good)


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


Annual fee
There is no annual fee to pay.
Paper invoice
The monthly paper invoice costs CHF 2.50.
Additional cards

Additional cards: free of charge.

Card loss
A replacement card costs CHF 20.00.
Purchase abroad in CHF
For purchases abroad in CHF there is no administrative fee to pay.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 1.5% 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 1.50%.
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
Bonus points / cash-back

1 IKEA point per 1 franc spent on every purchase made with the card outside IKEA Switzerland stores. For 500 points you receive an IKEA gift card worth 5 francs. 2 IKEA points per 1 franc spent on every purchase made with the card in IKEA Switzerland stores and in the IKEA online store.

Charity & sustainability

Card made from recycled plastic.

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search and rescue costs covered.

Insurance: cancellation & assistance
Repatriation to Switzerland: CHF 50,000. Flight delay of at least 4 hours: CHF 300 per event.
Insurance: luggage

Baggage delay (from 6 hours) up to 450 francs.

Insurance: purchase protection

Purchase protection for 30 days in the event of robbery, theft, damage or destruction: up to CHF 1,000 per claim per year.