TopCard Mastercard Classic
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Standard credit card
General
Card network
Mastercard
Card type
Standard
Issuer
TopCard
Currency
CHF
General information
A gross annual income of at least CHF 30,000 is required.
General conditions
Not specified.
Spending limit
There is no maximum limit.
Payment method
eBill, Direct debit (LSV), QR-bill, Prepayment
Carrying balances
Carrying balances possible. If the invoice is not paid by the set deadline, an effective annual interest of 13% is owed.
Late payment fees
CHF 30 to CHF 60: No late payment fee for first payment reminder. CHF 30 for second reminder. CHF 60 for each additional reminder.
Costs
Annual fee
In the first year, the annual fee is CHF 50.00. In subsequent years, the annual fee is CHF 100.00.
Paper invoice
Kostenlos.
Additional cards
Annual fee for additional card: CHF 25.
Card loss
A replacement card costs CHF 20.00.
Purchase abroad in CHF
Purchases abroad in CHF are subject to the payment of an administrative fee. The administrative fee is 1.75% of the purchase amount.
Purchase abroad in foreign currency
For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.
Exchange rate markup
1.662% 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 1.75%.
Special services
Samsung Pay, Apple Pay, Google Pay, Swatch Pay, Fitbit Pay, Garmin Pay, 24-hour service, Contactless payments, Mobile access, Online account, PIN, SMS service
Car rental discounts
Up to 15% discount on standard rentals from Europcar.
Insurance: death & disability
Coverage of up to 300,000 Swiss francs in the event of death or permanent disability.
Insurance: rescue & repatriation
CHF 30 à CHF 60: premier rappel sans frais, deuxième rappel CHF 30, à partir du troisième rappel: CHF 60.
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