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TopCard Visa Gold

Gold credit card

General

Card network

Visa

Card type

Gold

Currency

CHF, USD, EUR

General information

A gross annual income of at least CHF 75,000 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 100.00. In subsequent years, the annual fee is CHF 200.00.

Paper invoice

Kostenlos.

Additional cards

Annual fee for additional (or partner) card: CHF 50.

Card loss

Replacement cards are free of charge.

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.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges). Entrance fees apply. Annual purchase of a lounge entry for EUR 30 required in advance (valid for 12 months). Each additional entry costs EUR 30.

Various vouchers & discounts

Parking at Zurich and Geneva airports: 10% discount. Membership of suitespot (exclusive benefits in over 2500 luxury hotels worldwide).

Insurance: death & disability

Coverage of up to 600,000 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 are covered per incident and year.

Insurance: car rental

In the event of damage or theft, the deductible for comprehensive car insurance while traveling is covered up to 10,000 Swiss francs per incident.

Insurance: best price guarantee

Differences between purchase prices and lower offers of 30 Swiss francs of more are reimbursed up to 2000 Swiss francs per year (within 14 days of purchase). Valid in Switzerland.