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Prepaid card

Raiffeisen Visa Silver

Standard credit card
Private account necessary

General

Card network

Visa

Card type

Standard

Currency

CHF

General information

Not specified.

General conditions

In order to get the card, you need an account with the same bank.

Spending limit

The maximum limit is CHF 10,000 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 12% is owed.

Late payment fees

A late payment fee of CHF 20.00 per payment reminder applies.

Customer satisfaction

General satisfaction 8.3/10 (Very good)

Helpfulness 8.3/10 (Very good)

Product information 8.1/10 (Very good)

Assistance 8.3/10 (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

Annual fee of CHF 96. For holders of a private member account, the Raiffeisen Visa Silver is free of charge in the 1st year.

Paper invoice

The monthly paper invoice costs CHF 2.00.

Additional cards

Annual fee for additional card: CHF 24 (free of charge for members in the first year).

Card loss

A replacement card costs CHF 20.00.

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

1.75% 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 1.50%.

Special services

Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN

Bonus points / cash-back

On July 1, 2026, Raiffeisen’s new cashback bonus program (0.25% of monthly spending) will replace the Surprize program.

Car rental discounts

Up to 15% discount on non-prepaid standard rentals from Hertz.

Various vouchers & discounts

MyWine: Discounted offers and money-back guarantee.

Insurance: death & disability

Transport accident insurance: Coverage of up to 300,000 Swiss francs per incident and person in the event of death or permanent disability.

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 10,000 francs for trip cancellations and up to 7500 francs for trip interruptions (for trips up to 90 days).

Insurance: warranty

Warranty extended up to 12 additional months (up to 2000 francs under warranty, value of products is at least CHF 100). Valid in Switzerland and neighboring countries.

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.