Swiss Premium Credit Cards

Travel insurance, lounge access, and concierge services. See if premium perks justify the fee.

Enhanced Travel Insurance

Premium cards include comprehensive travel insurance with coverage up to CHF 5 million, including medical emergencies, trip cancellation, and rental car protection.

Airport Lounge Access

Enjoy Priority Pass membership with multiple free lounge visits per year at airports worldwide, including Zurich, Geneva, and Basel.

Concierge Services

Access 24/7 concierge services for restaurant reservations, event tickets, travel arrangements, and personalized lifestyle assistance.

Higher Rewards Rates

Premium cards typically offer 1.5x to 3x more rewards per CHF spent compared to standard cards, with bonus multipliers on travel and dining.

Top Premium Credit Cards in Switzerland

Compare Gold cards
Diners Club Gold Card

Diners Club Gold Card

Diners
Annual fee:CHF 100
Rewards rate:0.6% cashback · 1.2% abroad
4.3/5
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#2
PostFinance Visa Platinum Card

PostFinance Visa Platinum Card

PostFinance
Annual fee:CHF 250
Rewards rate:1% in year 1, then 0.5% cashback
4.3/5
Read review
#3
Cornèrcard Miles & More Gold Combo Offer

Cornèrcard Miles & More Gold Combo Offer

Cornèrcard
Annual fee:CHF 110
Rewards rate:0.5 miles / 1 CHF · 1 with Diners Club
4.2/5
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Guides & Resources

In-depth guides to help you pick the right card

Credit Card Lounge Access in Switzerland

Credit Card Lounge Access in Switzerland

Credit card lounge access Switzerland 2026. Compare Priority Pass cards from UBS, Viseca, Amex, and Cornèrcard.

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Credit Card Insurance in Switzerland

Credit Card Insurance in Switzerland

Credit card insurance in Switzerland compared. Travel, medical, purchase protection and rental car coverage by card tier.

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About Swiss Premium Credit Cards

Premium credit cards offer a significant upgrade over standard cards for Swiss cardholders who travel frequently or have higher spending levels. They combine elevated rewards earning rates with a suite of travel and lifestyle benefits that can easily offset the annual fee.

Swiss premium cards are Gold cards and Platinum cards under CHF 400 from issuers like Viseca, UBS, Cornèrcard, Raiffeisen, Diners Club and American Express. Annual fees range from CHF 80 to CHF 350, usually CHF 200. The included travel insurance, a Priority Pass membership and a higher limit can deliver more value than the fee for regular travellers.

Frequently asked questions

Is a premium credit card worth the higher annual fee?
It depends on your spending habits and travel frequency. If you travel more than 2 to 3 times per year and spend over CHF 2,000 monthly on the card, the included lounge access, travel insurance, and enhanced rewards often deliver more value than the fee costs.
What is the difference between premium and luxury cards?
Premium cards (Gold, Platinum) cost under CHF 400 a year, usually around CHF 200, and offer strong travel insurance, limited lounge access, and good rewards. Luxury cards (Platinum cards from CHF 400, such as UBS Platinum or Amex Platinum) cost more and provide unlimited lounge access, personal concierge, exclusive event invitations, and higher earning rates.
Do premium cards have higher income requirements?
Most Swiss issuers do not publish a minimum income on their card pages. They do check your creditworthiness: regular income, existing debts and your record with the ZEK. For the American Express Gold, for example, Swisscard requires a Swiss address, a minimum age of 18, a regular income and a clean ZEK record.