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Our Take on AKB Visa Silver
10,000 welcome points and trip insurance for CHF 72. Most silver cards cost CHF 100 for the same thing.
The AKB Visa Silver delivers one of the best-priced silver cards among Swiss cantonal banks. At CHF 72 annually, you save nearly 30% compared to the typical CHF 100 silver card, while getting the same Surprize rewards and trip protection. AKB also offers this on Mastercard with identical benefits, so your network choice comes down to preference. See also the AKB Mastercard Silver.
Is CHF 72 Worth It?
The 10,000 welcome Surprize points are worth CHF 50-100 in redemptions, which means year one practically pays for itself. Going forward, you earn 1 point per CHF 1 spent. On CHF 20,000 annual spending, that's 20,000 points worth roughly CHF 100-200 at the best redemption rates.
The trip insurance covers CHF 10,000 trip cancellation and CHF 7,500 trip interruption. Standalone travel cancellation policies cost CHF 30-50 per year. One covered cancellation on an expensive trip could return more than you've paid in annual fees over several years.
What Actually Stands Out
The CHF 72 annual fee is genuinely below market. BEKB, BCV, SGKB, and most cantonal banks charge CHF 100 for the same tier. Over five years, that's CHF 140 in savings. It sounds small, but it's money that stays in your pocket for no trade-off in benefits.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The Surprize rewards program is Switzerland's most widespread credit card points system, redeemable for vouchers, travel, and experiences. Pro tip: travel and event redemptions offer better value than merchandise. Our credit card insurance guide compares coverage across all Swiss cards.
What Most Reviews Miss
The insurance only covers trips paid with this card. Book your flights with a debit card or different credit card? You're not covered. This catches people regularly, so always use the AKB Visa for trip purchases if you want the protection.
Also, AKB is a cantonal bank serving Aargau primarily. If you don't bank with them, opening an account just for this card isn't worth the hassle. The CHF 28 annual saving over competitors doesn't justify switching banks. The value proposition works best for existing AKB customers.
The Bottom Line
A smart pick for AKB customers who want a silver card without overpaying. The CHF 72 fee undercuts competitors, the welcome bonus covers year one, and the trip insurance provides meaningful protection. See our best credit cards in Switzerland comparison for broader options.
Verdict: One of the cheapest silver cards in Switzerland with no trade-off in benefits. Get it if you bank with AKB.
PROS
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Up to 7500 CHF coverage for trip interruptions
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 72
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
10,000 points
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 72
Annual fee (after first year)
CHF 72
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 0
Additional Cards
CHF 24/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
10,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- Up to 7500 CHF coverage for trip interruptions
- Multiple mobile payment options
- Contactless payments for convenient transactions
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 72
per year
You Get Back
CHF 480
estimated value
Bottom Line
+CHF 408
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- How does joint billing work on the supplementary cards?
- Supplementary cards on the AKB Visa Silver are billed jointly with the primary card. All spending lands on a single monthly invoice paid by the main cardholder. There's no separate-statement option here. Each additional card costs CHF 24/year, and you can add up to 2.
- Should I pick the AKB Visa Silver or the AKB Mastercard Silver?
- Both cards have identical pricing, identical cash withdrawal fees, and identical supplementary card terms in AKB's lineup. The only meaningful difference is the payment network. Visa works at any Visa-accepting merchant; Mastercard at any Mastercard-accepting one. For Switzerland coverage they're indistinguishable. Pick based on which network your existing cards already use.
How We Rated This Card
Wondering why AKB Visa Silver got its score? We rate Cashback cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the AKB Visa Silver today and start enjoying its benefits.