Migros Cumulus Visa

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Migros Cumulus Visa

  • Free credit card

  • With Cumulus points

  • No annual fees


Card network
Card type
Migros Bank
General information

No cash advance fee is charged for cash advances at Migros stores (max. 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.

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    8.3/10 (Very good)
Helpfulness    8.0/10 (Very good)
Product information    8.0/10 (Very good)
Assistance    7.6/10 (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 2.00.
Additional cards

Up to 3 additional cards. Additional card free of charge.

Card loss
A replacement card costs CHF 20.00.
Purchase abroad in CHF
For purchases abroad in CHF there is no administrative fee to pay.
Purchase abroad in foreign currency
Purchases abroad or online in foreign currencies are free of charge.
Exchange rate markup
2.004% 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.

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.

Insurance: best price guarantee

Differences between purchase prices and lower offers reimbursed up to 2000 Swiss francs per claim.

Insurance: legal protection

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