TopCard Visa Classic

  • Standard credit card

General

Card network
Visa
Card type
Standard
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 12% 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.

Customer satisfaction

General satisfaction Not specified.
Helpfulness Not specified.
Product information Not specified.
Assistance Not specified.

Ratings

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

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 (or partner) card: CHF 25.

Card loss
A replacement card costs CHF 20.00.
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
2.143% 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, 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

Up to 60,000 Swiss francs of search, rescue and repatriation costs ar covered per incident and year.

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Special offers for Moneyland users

Moneyland Special Offers

Swiss Trading Platform

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  • Save up to 40% as a Moneyland user

  • All in one digital banking and free market research

  • Swiss online bank with FINMA license

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Free bank account

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  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

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Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

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Life Insurance

Generali

  • CHF 100.- Migros voucher upon conclusion

  • Death coverage

  • Premium guarantee: No increase

Get a free quote now
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  • Leading Swiss online bank with FINMA license

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