Poinz Swiss Loyalty Card Visa

  • Free credit card

  • With cash back

  • No annual fees


Card network
Card type
Swisscard AECS
General information

Card with cashback function, Apple Pay, Google and Samsung Pay.
Cashback points can be paid out on account from CHF 100 or exchanged for vouchers (with additional cashback).
Various additional insurances available for a fee.

General conditions
Not specified.
Spending limit
The maximum limit is CHF 10,000 per month.
Payment method
eBill, Direct debit (LSV), QR-bill
Carrying balances
Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 14% is owed.
Late payment fees
A late payment fee of CHF 30.00 per payment reminder applies.

Customer satisfaction

General satisfaction Not specified.
Helpfulness Not specified.
Product information Not specified.
Assistance Not specified.


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 1.95.
Additional cards

Additional cards: free of charge.

Card loss
A replacement card costs CHF 25.00.
Purchase abroad in CHF
For purchases abroad in CHF there is no administrative fee to pay.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 2.5% of the purchase amount.
Exchange rate markup
1.91% 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 4% of the amount with a minimum of CHF 10.00.
Cash withdrawal abroad:
Per cash withdrawal abroad there is a fee of 4% of the amount with a minimum of CHF 10.00. Additionally, there is an administrative fee of 2.50%.
Special services
Samsung Pay, Apple Pay, Google Pay, Contactless payments, Mobile access, Online account, PIN, SMS service, Additional cards
Bonus points / cash-back

Visa card: 0.25%. Fees, interest charges and cash advances do not qualify as purchases.

Insurance: warranty

Goods return insurance up to 1000 francs per purchase (from 60 francs).