General
Card network
American Express
Card type
Standard
Issuer
Swisscard AECS
Currency
CHF
General information
American Express in combination with a Visa or Mastercard credit card.
Card with cash back rewards and Apple Pay, Google Pay and Samsung Pay compatibility.
Various optional insurance benefits can be added at an extra cost.
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.
Costs
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
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, SMS service, Additional cards
Bonus points / cash-back
Amex: 1% cash back on purchases, 5% welcome cash back during first 3 months (up to a maximum of CHF 100). Visa/Mastercard: 0.25%. Fees, interest charges and cash advances do not qualify as purchases.
Various vouchers & discounts
Select privileges for American Express members.
Insurance: warranty
Goods return insurance up to 1000 francs per purchase (from 60 francs).
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