Swisscard American Express Card
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Standard credit card
General
Card network
American Express
Card type
Standard
Issuer
Swisscard AECS
Currency
CHF
General information
Not specified.
General conditions
Not specified.
Spending limit
There is no maximum limit.
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 there is no annual fee to pay. In the subsequent years the annual fee is CHF 140.00.
Paper invoice
The monthly paper invoice costs CHF 1.95.
Additional cards
Annual fee for additional card: CHF 75.
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
Bonus points / cash-back
Membership Rewards program: You earn 1 Membership Rewards point for every 2 Swiss francs charged.
Various vouchers & discounts
Select privileges for American Express members.
Insurance: death & disability
Coverage of up to 500,000 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 150 Swiss francs towards additional costs resulting from a flight delay.
Insurance: luggage
Coverage of up to 700 Swiss francs towards the cost of necessary items during luggage delays of 6 hours or more.
Insurance: purchase protection
Coverage of up to 750 Swiss francs per claim against theft, robbery and accidental damage within 90 days of purchase.
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