Viseca Visa Gold

  • Gold credit card


Card network
Card type
General information
Not specified.
General conditions
Not specified.
Spending limit
There is no maximum limit.
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 20.00 per payment reminder applies.

Customer satisfaction

General satisfaction    7.6/10 (Good)
Helpfulness    7.5/10 (Good)
Product information    7.4/10 (Good)
Assistance    7.2/10 (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 100.00. In subsequent years, the annual fee is CHF 200.00.
Paper invoice
The monthly paper invoice costs CHF 2.00.
Additional cards

Up to 2 additional cards. CHF 50 per additional card (CHF 25 first year).

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
2.151% 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 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
Bonus points / cash-back

Surprize program (1.5 points per CHF 1 turnover, 20,000 welcome points).

Car rental discounts

Up to 15% discount on non-prepaid standard rentals from Hertz.

Airport lounge access

Standard Priority Pass membership (Entrance fees apply).

Various vouchers & discounts

MyWine: Discounted offers and money-back guarantee.

Insurance: death & disability

Transport accident insurance: Coverage of up to 500,000 Swiss francs per incident and person in the event of death or permanent disability.

Insurance: rescue & repatriation

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

Insurance: cancellation & assistance

Coverage of up to 20,000 Swiss francs for trip cancellations and up to 15,000 francs for trip interruptions (for trips up to 90 days).

Insurance: medical expenses

Coverage of up to 250,000 Swiss francs of medical expenses per incident (for trips up to 90 days).

The "Medical expenses" insurance coverage applies exclusively to insured persons up to the age of 81.

Insurance: car rental

Collision and loss damage waiver up to 10,000 Swiss francs.

Insurance: luggage

Up to 5000 Swiss francs per event are paid in case of theft, loss or damage of luggage. In case of luggage delay it is up to 1000 francs per event (for trips up to 90 days).

Insurance: purchase protection

Coverage of up to 2000 Swiss francs per claim against theft, robbery and accidental damage within 30 days of purchase.

Insurance: warranty

Warranty extended up to 24 additional months (purchases up to 5000 francs).

Insurance: best price guarantee

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

Insurance: legal protection

Online legal protection: 10,000 Swiss francs per incident and person.