Également bon pour
Notre Avis sur BancaStato Mastercard Gold
CHF 250,000 medical coverage abroad for CHF 200. That's the standard cantonal bank gold offering.
The BancaStato Mastercard Gold delivers Ticino's standard gold card package: substantial medical coverage, Priority Pass lounge access, and Surprize rewards. At CHF 200 annually, it matches what ZKB, SGKB, and most cantonal banks charge. For BancaStato customers who travel internationally, it provides genuine protection. Also available on the other network: BancaStato Visa Gold.
Is CHF 200 Worth It?
Let's calculate the insurance value. CHF 250,000 medical coverage abroad would cost CHF 150-200 as standalone travel insurance for frequent travelers. The CHF 20,000 trip cancellation and CHF 15,000 trip interruption coverage adds another CHF 50-80 in standalone value. The 20,000 welcome Surprize points are worth roughly CHF 100-150.
Year one, you're almost certainly ahead. Ongoing, you're essentially paying CHF 200 for insurance worth CHF 200-280 standalone, plus earning 1.5 points per CHF 1 spent. If you travel internationally 2-3 times yearly, the math works comfortably.
What Actually Stands Out
The CHF 250,000 medical coverage matters because emergencies abroad are expensive. A helicopter evacuation costs CHF 20,000+. Emergency surgery in the US can exceed CHF 100,000. Cards with lower limits leave you exposed. This coverage protects against realistic catastrophic scenarios.
Standard Priority Pass membership provides lounge access at EUR 30 per visit. Not free, but walk-in rates run EUR 50-70. If you fly 3-4 times annually and use lounges, you save roughly CHF 60-120. Combined with the insurance, the value stacks meaningfully. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Most Reviews Miss
The insurance only covers trips booked with this card. Book your flights with a debit card or different credit card? The coverage doesn't apply. This catches people regularly. Always use this card for travel purchases if you want the protection. Also, coverage doesn't apply within Switzerland.
The lounge access isn't unlimited or free. It's discounted at EUR 30 per visit. Cards costing CHF 500+ often include unlimited free access. You're paying less upfront but more per use. For moderate travelers, BancaStato's approach is more economical.
The Bottom Line
A reliable gold card for BancaStato customers who travel internationally 2-3+ times yearly. The insurance provides genuine value, and Italian-speaking customer service matters for Ticino residents. Compare alternatives in our best premium credit cards in Switzerland guide. This card is also available on Visa with identical benefits.
Verdict: Solid choice for BancaStato customers. The insurance value exceeds the fee for anyone who travels internationally regularly.
AVANTAGES
- 20000 welcome bonus points
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Up to 250,000 Swiss francs coverage for medical expenses while traveling
INCONVÉNIENTS
- High annual fee (CHF 200)
- No concierge service
Détails de la carte
En un coup d'œil
Frais annuels
CHF 200
Taux de récompense
1.5 points/CHF
Frais FX
1.75%
Bonus de bienvenue
20,000 points
Couverture d'assurance voyage
CHF 20'000
Frais & Coûts
Frais & Coûts
Frais annuels la première année
CHF 200
Frais annuels (après la première année)
CHF 200
Frais de change
1.75%
Retrait d'Espèces (National)
4% (min CHF 10)
Retrait d'Espèces (International)
5.75% (min CHF 10)
Frais de Retard
CHF 0
Cartes supplémentaires
CHF 50/carte/an • Jusqu'à 2 cartes
Programme de Récompenses
Programme de Récompenses
Type de récompense
Points
Taux de récompense de base
1.5 / CHF
Bonus de bienvenue
20,000 points
Assurance & Protection
Assurance & Protection
Couverture d'assurance voyage
CHF 20'000
Couverture d'assurance médicale
CHF 250'000
Protection des achats
CHF 2'000
Caractéristiques de la Carte
Caractéristiques de la Carte
Réseau de la Carte
Mastercard
Type de Carte
Gold
Devise
CHF, USD, EUR
Revenu minimum requis
Aucune exigence de revenu
Limite de dépenses mensuelles
-
Accès aux salons d'aéroport
Accès aux salons d'aéroport disponible
Service de conciergerie
Caractéristiques Principales
- 1 welcome bonus points
- Up to 250,000 Swiss francs coverage for medical expenses while traveling
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- Standard Priority Pass membership
- 24-hour customer service support
Calculez si cette carte en vaut la peine pour vous
= CHF 30'000/year
Vous payez
CHF 200
par an
Vous recevez
CHF 900
valeur estimée
Bilan
+CHF 700
dans votre poche
Calcul annuel :
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 points × 1 ct
Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.
Note par Catégorie
Comparer avec d'autres cartes
Questions fréquemment posées
- Does BancaStato charge a late payment fee on the Mastercard Gold?
- No late payment fee. That's notable in the Swiss premium segment, where only 5 out of 48 cards skip the late fee entirely. Missed invoices accrue standard interest on the outstanding balance until you settle, but BancaStato doesn't add a fixed penalty. Most premium competitors charge CHF 20-30 per missed invoice, so this saves you the fee even if you slip up.
- How are supplementary cards priced on the BancaStato Mastercard Gold?
- BancaStato uses a two-tier structure: CHF 50 per additional card if both go on a single monthly statement, or CHF 75 per card for separate statements. You can add up to 2 supplementary cards. The split-billing approach is unusual at any tier; at Gold prices, the difference between joint and separate adds up to CHF 50 per year for two cards.
- Is there a monthly spending cap on the BancaStato Mastercard Gold?
- No monthly cap on purchases. Unlike BancaStato's Silver tier which caps at CHF 10,000 per month, the Gold removes the published ceiling. That's useful if you put business expenses, a large insurance premium, or a one-time renovation booking through the card. Your actual usable limit is set individually during onboarding based on your profile.
Comment nous avons noté cette carte
Vous vous demandez pourquoi BancaStato Mastercard Gold a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :
Même formule pour toutes les cartes de cette catégorie. Sans exception.
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