Swisscard Cashback Cards Visa

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Swisscard Cashback Cards Visa

  • Free credit card

  • With cash back

  • No annual fees

  • Two cards Visa & Amex


Card network
Card type
Swisscard AECS
General information

Visa card in duo with an Amex 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.

Customer satisfaction

General satisfaction    8.0/10 (Very good)
Helpfulness    7.8/10 (Good)
Product information    7.7/10 (Good)
Assistance    7.9/10 (Good)


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


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 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

Visa: Cashback à hauteur de 0,25%. Amex: Remboursement en fonction du volume d’achat (cashback) à hauteur de 1% (mais de 5% pour 3 mois, jusqu'à CHF 100 maximum). Les frais, intérêts et retraits d’argent liquide sont exclus du chiffre d’affaires.

Insurance: warranty

Goods return insurance up to 1000 francs per purchase (from 60 francs).