Cembra Money Bank
Difference to Cumulus-Mastercard MyDesign: Card art cannot be customized.
No cash advance fee is charged for cash advances at Migros stores.
The maximum spending limit depends on the outcome of the credit assessment.
The maximum limit is CHF 15,000 per month.
Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 11.95% is owed.
Late payment fees:
A late payment fee of CHF 30.00 per payment reminder applies.
There is no annual fee to pay.
The monthly paper invoice costs CHF 1.95.
Additional card free of charge.
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 1.5% of the purchase amount.
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.
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 1.50%.
Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Online account, PIN, SMS service, Additional cards
Bonus points / cash-back:
Migros Cumulus program: 1 point per 3 francs for purchases from other merchants than Migros.
Insurance: death & disability:
Coverage of up to 300,000 Swiss francs in the event of death or permanent disability.
Insurance: cancellation & assistance:
Up to 500 francs per incident for flight delays.
Insurance: legal protection:
Travel legal insurance of up to 250,000 Swiss francs within Europe and 50,000 francs outside of Europe.