TopCard Visa Card Platinum

  • Platinum credit card

General

Card network
Visa
Card type
Platinum
Issuer
TopCard
Currency
CHF, USD, EUR
General information

A gross annual income of at least CHF 120,000 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 14% 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 250.00. In subsequent years, the annual fee is CHF 500.00.
From an annual turnover of CHF 40,000 to CHF 80,000 the annual fee is CHF 250.00. If the annual turnover exceeds CHF 80,000, the annual fee is completely waived.
Paper invoice
Kostenlos.
Additional cards

Up to 3 additional cards, free of charge.

Card loss
Replacement cards are free of charge.
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
1.865% 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, Additional cards
Car rental discounts

Up to 20% discount and no deposit on standard rentals from Europcar.

Airport lounge access

Standard Priority Pass membership (discounted entry to participating airport lounges) plus 4 complimentary lounge visits annually.

Concierge service

Concierge service provided by Europ Assistance. Services are provided by Europ partners. No additional booking fee.

Insurance: death & disability

In the event of death and disability up to CHF 1,000,000 (family maximum CHF 5,000,000).

Insurance: rescue & repatriation

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

Insurance: cancellation & assistance

Travel Protection Plus (included): Benefit of up to 30,000 francs per incident for trip cancellations and trip interruptions. Trip delays of 3 hours or more are covered up to 800 francs per person.

Insurance: medical expenses

Travel Protection Plus (included): Coverage of up to 1,000,000 Swiss francs per person.

Insurance: car rental

Collision and loss damage waiver of up to 10,000 Swiss francs per incident. 
Collision and comprehensive rental car insurance coverage of up to 50,000 Swiss francs per incident.

Insurance: luggage

Travel Protection Plus (included): Coverage of up to 10,000 Swiss francs for lost/stolen/damaged luggage per incident. Up to 4000 francs per incident towards the purchase of essential items during luggage delays.

Insurance: purchase protection

Travel Protection Plus (included): Coverage of up to 3500 Swiss francs per claim against accidental damage, up to a maximum of 20,000 francs per year.

Insurance: best price guarantee

Differences between purchase prices and lower offers reimbursed up to 2000 Swiss francs per year.