General
Card network
Mastercard
Card type
Standard
Issuer
Cembra Money Bank
Currency
CHF
General information
Only for IKEA Family Club members (free membership).
Partial payments on IKEA purchases: 7.95%, otherwise 13.95%.
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.
Costs
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
2.124% 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, 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
You earn one IKEA point for every one Swiss franc you spend with the card outside the IKEA Switzerland stores. Every 500 IKEA points you earn is redeemed for a 5-franc IKEA gift card.
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: medical expenses
Emergency medical costs: CHF 50,000 per event.
Insurance: luggage
Baggage delay (from 6 hours) up to 450 francs.
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