SWISS Miles & More Gold

Apply now

SWISS Miles & More Gold

  • Gold credit card

  • With airline miles


Card network
American Express
Card type
Swisscard AECS
General information

Two card set (American Express & Mastercard) for the price of one card.

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.

Customer satisfaction

General satisfaction    8.1/10 (Very good)
Helpfulness    7.9/10 (Good)
Product information    8.4/10 (Very good)
Assistance    8.1/10 (Very 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
In the first year, the annual fee is CHF 110.00. In subsequent years, the annual fee is CHF 220.00.
Paper invoice
The monthly paper invoice costs CHF 1.95.
Additional cards

Annual fee for additional card: CHF 80. Note that the set already includes two cards.

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
1.91% 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
Car rental discounts

Discounts at Sixt.

Frequent flyer miles

Miles & More frequent flyer program: You earn 2 miles for every 2 Swiss francs of purchases charged. Welcome bonus of 15,000 miles.

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 150 Swiss francs towards additional costs resulting from eligible flight delays, flight cancellations or missed connections.

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.