Swiss Luxury Credit Cards

Exclusive benefits, unlimited lounge access, and personal concierge. For discerning cardholders.

Unlimited Lounge Access

Platinum cards include unlimited Priority Pass visits, with a free companion at UBS and Cornèrcard, and the Amex Platinum adds its Centurion lounges.

Personal Concierge

Get a dedicated personal concierge available 24/7 for premium travel bookings, exclusive event access, fine dining reservations, and bespoke experiences.

Elite Insurance Coverage

Travel insurance with medical cover abroad up to CHF 3 million (Amex Platinum), plus trip cancellation, baggage and rental car excess cover depending on the card.

Exclusive Perks and Events

Hotel status with Hilton, Marriott, Radisson and Meliá and yearly travel credits on the Amex Platinum, free Zurich Airport parking on the Viseca Platinum.

Top Luxury Credit Cards in Switzerland

Compare Platinum and luxury cards
Swisscard American Express Platinum Card

Swisscard American Express Platinum Card

Swisscard
Annual fee:CHF 900
Rewards rate:1 point / 1 CHF
4.6/5
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#2
UBS Mastercard Excellence

UBS Mastercard Excellence

UBS
Annual fee:CHF 3000
Rewards rate:6 points / CHF 1,000
4.3/5
Read review
#3
UBS Visa Platinum Card

UBS Visa Platinum Card

UBS
Annual fee:CHF 204
Rewards rate:6 points / CHF 1,000
4.2/5
Read review

Guides & Resources

In-depth guides to help you pick the right card

Luxury Credit Cards in Switzerland: Requirements

Luxury Credit Cards in Switzerland: Requirements

Luxury credit card Switzerland requirements 2026. Income, eligibility, perks, and honest comparison of exclusive Swiss cards.

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About Swiss Luxury Credit Cards

Luxury credit cards represent the highest tier available in Switzerland, offering unparalleled benefits and services for high-net-worth individuals. These cards go beyond standard rewards to provide truly exclusive lifestyle experiences.

The Platinum cards from Amex, UBS, Cornèrcard and Viseca are the tier you can apply for, with the UBS Mastercard Excellence and the invitation-only Amex Centurion above them. Annual fees run from about CHF 400 to CHF 2,000, and lounges, concierge and insurance pay off mainly for frequent travelers and high spenders.

Frequently asked questions

Who qualifies for a luxury credit card in Switzerland?
Swiss issuers don't publish a fixed minimum income. They look at your income, your credit record with the ZEK and the debt collection register, and your banking relationship. The American Express Centurion is invitation-only, for cardholders with very high spending over several years.
What makes luxury cards different from premium cards?
Luxury cards offer a step above premium in every category: unlimited lounge access instead of limited visits, a dedicated personal concierge instead of a shared service, higher insurance limits, exclusive event invitations, and often a metal card design. The annual fee is also significantly higher.
Are luxury credit card benefits worth the high annual fee?
For frequent travelers and high spenders, the benefits can far exceed the fee. A single international trip using the included insurance, lounge access for the family, and concierge-booked hotel upgrades can easily offset an annual fee of CHF 500 to CHF 1,000+. The value depends on how actively you use the perks.