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Migros Cumulus Visa

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Migros Cumulus Visa

Free credit card
With Cumulus points
No annual fees

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General

Card network

Visa

Card type

Standard

Currency

CHF

General information

No cash advance fee is charged for cash advances at Migros stores (maximum CHF 1000 per transaction and day in Migros).
CHF 500 per transaction and day at Denner, Migrol and Migrolino.
Two cash withdrawals per year abroad up to CHF 500 each are free of charge.
Personalized card image MyPicture (free of charge when ordering a card for the first time, changes/reorders CHF 20).

General conditions

Not specified.

Spending limit

The maximum limit is CHF 15,000 per month.

Payment method

eBill, 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 10.4% is owed.

Late payment fees

A late payment fee of CHF 30.00 per payment reminder applies.

Customer satisfaction

General satisfaction 8.5/10 (Very good)

Helpfulness 8.1/10 (Very good)

Product information 8.1/10 (Very good)

Assistance 8.0/10 (Very 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 2.00.

Additional cards

Up to 3 additional cards (same household). Additional card free of charge.

Card loss

A replacement card costs CHF 20.00.

Purchase abroad in foreign currency

Purchases abroad or online in foreign currencies are free of charge.

Exchange rate markup

3.128% 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 2.5% of the amount with a minimum of CHF 5.00.

Cash withdrawal abroad:

Per cash withdrawal abroad there is a fee of 2.5% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 0%.

Special services

Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, 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. 1 Cumulus point per 1 francs of purchase at Migros (limited to Migros companies that are also participants in the Cumulus bonus program). 2026 welcome points (at least 3 transactions within the first 30 days).

Insurance: rescue & repatriation

Up to 60,000 Swiss francs of search, rescue and repatriation costs covered per incident and person.

Insurance: cancellation & assistance

Coverage of up to 4000 francs for trip interruptions (for trips up to 90 days).

Insurance: purchase protection

Coverage of up to 2000 Swiss francs per claim (value of products is at least CHF 50, within 30 days of purchase).

Insurance: best price guarantee

Differences between purchase prices and lower offers of 30 Swiss francs of more are reimbursed up to 2000 Swiss francs per claim (within 14 days of purchase). Valid in Switzerland.

Insurance: legal protection

Online legal protection: 10,000 Swiss francs per incident and person.

Special offers for Moneyland users

Moneyland Special Offers

Special Offer: CHF 30/m

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