How Are Credit Card Profiles Defined?

Get detailed information about the basis for credit card comparison calculations here.
Compare credit cards now

The moneyland.ch credit card comparison lets you choose between customizing the comparison based on your credit card needs or choosing between a number of user profiles.

Occasional user: “I use credit cards every so often”

  • No cash advances at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 2 transactions per month (CHF 200 total).
  • International purchases or online purchases in foreign currencies: 10 transaction of EUR 100 each annually.
  • For prepaid cards – number of reloads annually: 6

Frequent user: “I use credit cards regularly”

  • Cash advances at ATMs in Switzerland: 5 withdrawals of CHF 200 each annually.
  • Cash advances at ATMs outside of Switzerland: 5 withdrawals of EUR 200 annually.
  • Purchases in Switzerland or online purchases in CHF: 10 transactions per month (CHF 1000 total).
  • International purchases or online purchases in a foreign currency: 50 transaction of EUR 100 per year.
  • For prepaid cards – number of reloads per year: 6

Infrequent user: “I rarely use credit cards”

  • No cash advances at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 1 transaction per month, CHF 100 in monthly transactions.
  • Purchase abroad or online purchases in a foreign currency: 5 transactions of EUR 100 each annually.
  • For prepaid cards – number of reloads annually: 6

Shopper: “I regularly pay for shopping with credit cards”

  • No cash advances at ATMs.
  • Purchases in Switzerland or online purchases in CHF: 10 transactions per month, CHF 1000 per month.
  • Purchases abroad or online purchases in foreign currencies: 25 transaction of EUR 100 each annually.
  • For prepaid cards – number of uploads annually: 6.

Switzerland-only user: “I only use credit cards in Switzerland”

  • Cash advances at ATMs in Switzerland: 5 transactions of CHF 200 each annually.
  • No cash advances at ATMs outside of Switzerland. No purchases abroad.
  • Purchases in Switzerland or online purchases in CHF: 4 transactions per month, CHF 400 per month.
  • For prepaid cards – number of reloads annually: 6.

Abroad-only user: “I only use credit cards outside of Switzerland”

  • Cash withdrawals at ATMs outside of Switzerland: 5 transaction of EUR 200 each per year.
  • Purchases outside of Switzerland or online purchases in foreign currencies: 50 transactions of EUR 100 each annually.
  • No cash advances at ATMs in Switzerland. No purchases in Switzerland.
  • For prepaid cards – number of reloads annually: 6.

About moneyland.ch

moneyland.ch is Switzerland’s independent online comparison service covering banking, insurance and telecom. More than 70 unbiased comparison tools and calculators are available on moneyland.ch, along with useful financial guides and timely news. The comprehensive comparison tools help you to find the right insurance policies, bank accounts, credit and prepaid cards, loans, mortgages, trading accounts and telecom products for your needs.