Swisscard American Express Gold Card

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Swisscard American Express Gold Card

  • Gold credit card

  • 40,000 membership rewards welcome points

General

Card network
American Express
Card type
Gold
Currency
CHF
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 12% is owed.
Late payment fees
A late payment fee of CHF 30.00 per payment reminder applies.

Customer satisfaction

General satisfaction    7.8/10 (Good)
Helpfulness    8.1/10 (Very good)
Product information    7.8/10 (Good)
Assistance    7.9/10 (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
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

Additional card: CHF 150.

Card loss
Replacement cards are free of charge.
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
1.838% 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
Bonus points / cash-back

Membership Rewards program (fees apply): You earn 1 Membership Rewards point for each 1 Swiss franc charged. 40,000 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.

Frequent flyer miles

Membership Rewards points can be exchanged for airline miles.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges) plus 2 complimentary lounge visits annually.
Each additional entry costs CHF 35.

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, rescue and repatriation costs are covered.

Insurance: cancellation & assistance

Coverage of up to 300 Swiss francs towards additional costs resulting from a flight delay of more than 4 hours or cancellation. 

Insurance: medical expenses

Coverage of up to 10,000 Swiss francs of medical treatment and hospital costs. No coverage in Switzerland.
The ""Medical expenses"" insurance coverage applies exclusively to insured persons up to the age of 80.

Insurance: luggage

Coverage of up to 1500 Swiss francs towards the cost of necessary items during luggage delays of 6 hours or more.

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, value of products is at least CHF 60 (within 90 days of purchase).
Warranty extended up to 24 additional months (up to 3000 francs per calendar year, value of products is at least CHF 100).


Special offers for Moneyland users

Moneyland Special Offers

Special Offer: CHF 42.90/m

Fiber & Sky Show

  • Fiber up to 2.5 Gbit/s & unlimited premium series

  • CHF 42.90/m for 6 months (then CHF 40.90/m)

  • Free activation (worth CHF 99)

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

  • Access to more than 3 million products (shares, ETFs, crypto and more)

Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

Special offers for Moneyland users

Moneyland Special Offers

Special Offer: CHF 42.90/m

Fiber & Sky Show

  • Fiber up to 2.5 Gbit/s & unlimited premium series

  • CHF 42.90/m for 6 months (then CHF 40.90/m)

  • Free activation (worth CHF 99)

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Swiss Trading Platform

Swissquote

  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

  • Access to more than 3 million products (shares, ETFs, crypto and more)

Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

Deal of the Day
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Special Offer: CHF 42.90/m

Fiber & Sky Show

Fiber up to 2.5 Gbit/s & unlimited premium series