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Cembra Mastercard Gold

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Credit Cards

Cembra Mastercard Gold

Gold credit card

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General

Card network

Mastercard

Card type

Gold

Currency

CHF

General information

The spending limit of the Mastercard Gold is CHF 5000 to CHF 20,000.
The Cembra Mastercard Gold and Premium are available exclusively to Cembra customers.

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 12% 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 7.0/10 (Good)

Product information 7.2/10 (Good)

Assistance 7.4/10 (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

Annual fee: CHF 135. The annual fee may be waived as part of promotional offers (e.g., in connection with personal loans).

Paper invoice

The monthly paper invoice costs CHF 2.50.

Additional cards

Additional card: CHF 50. The annual fee may be waived as part of promotional offers (e.g., in connection with personal loans).

Card loss

A replacement card costs CHF 20.00.

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

2.772% 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, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service

Insurance: death & disability

Coverage of up to 600,000 Swiss francs in the event of death or permanent disability.

Insurance: rescue & repatriation

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