SPAR Mastercard World

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Credit Cards

SPAR Mastercard World

  • Free credit card

  • With SPAR points

  • No annual fees


Card network
Card type
Cembra Money Bank
General information

«Free» credit card from SPAR. Installment annual interest rate inside SPAR 9.95% (from CHF 300), outside 13.95%. One-time surcharge for own design: CHF 30.

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    7.6/10 (Good)
Helpfulness    7.9/10 (Good)
Product information    7.4/10 (Good)
Assistance    7.7/10 (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
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.
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 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, Additional cards
Bonus points / cash-back

1 SPAR point per 1 franc purchase at SPAR Switzerland, outside 1 SPAR point per 2 francs purchase. For 500 SPAR points, you get a SPAR voucher worth 5 francs.

Charity & sustainability

Card made from recycled plastic.

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 60,000 Swiss francs for trip interruptions.

Insurance: purchase protection

Purchase insurance in the amount of 5000 francs per year and 2000 francs per event.