General
Card network
American Express
General information
Minimum annual income: CHF 25,000.
General conditions
Not specified.
Spending limit
The maximum limit is CHF 30,000 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.
Costs
Annual fee
In the first year, the annual fee is CHF 175.00. In subsequent years, the annual fee is CHF 350.00.
Paper invoice
The monthly paper invoice costs CHF 1.95.
Additional cards
Annual fee for additional card: CHF 150.
Card loss
Replacement cards are free of charge.
Purchase abroad in CHF
Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 2.5% of the purchase amount.
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
1.718% 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, 24-hour service, Contactless payments, Mobile access, Online account, PIN, Additional cards
Bonus points / cash-back
Membership Rewards program: You earn 1 Membership Rewards point for each 1 Swiss franc charged. 30,000 Rewards points as a welcome bonus. Annual fee can be paid with Membership Rewards points.
Car rental discounts
10% discount on car rental bookings via Rentalcars.com.
Airport lounge access
Standard Priority Pass membership (discounted entry to participating airport lounges) plus 2 complimentary lounge visits annually.
Various vouchers & discounts
Select privileges for American Express members.
Insurance: death & disability
Coverage of up to 700,000 Swiss francs in the event of death or permanent disability.
Insurance: rescue & repatriation
Up to 60,000 Swiss francs of search and rescue costs covered.
Insurance: cancellation & assistance
Coverage of up to 300 Swiss francs towards additional costs resulting from a flight delay.
Insurance: medical expenses
Coverage of up to 10,000 Swiss francs of medical treatment and hospital costs.
The ""Medical expenses"" insurance coverage applies exclusively to insured persons up to the age of 80.
Insurance: purchase protection
Coverage of up to 2000 Swiss francs per claim against theft, robbery and accidental damage within 90 days of purchase.
Insurance: warranty
Guaranteed returns up to a limit of 2000 Swiss francs per purchase. Warranty extended up to 24 additional months (purchases up to 3000 francs).
