BancaStato Mastercard SilverBancaStato
Cashback
Standard

BancaStato Mastercard Silver

BancaStato

Overall Rating

3.3/5

Annual fee

CHF 100

Network

Mastercard

Rewards Type

Points

Welcome bonus

10,000 points

Also good for

Premium

Our Take on BancaStato Mastercard Silver

Your Swiss Finance Companion
Adrien Missioux
Adrien Missioux

Ticino's standard cantonal bank silver card. Solid basics, no surprises.

The BancaStato Mastercard Silver is exactly what you'd expect from a Ticino cantonal bank: standard Surprize points, basic travel insurance, and reliable mobile payment support. It's not exciting, but it's dependable. For BancaStato customers who want a straightforward credit card, it delivers. Also available on the other network: BancaStato Visa Silver.

Is CHF 100 Worth It?

At CHF 100 annually, this card matches typical cantonal bank silver pricing. You get 10,000 welcome Surprize points worth roughly CHF 50-100 in redemptions, effectively discounting year one by half. The ongoing 1 point per CHF 1 spent earns at standard rates.

The travel insurance covers CHF 10,000 trip cancellation and CHF 7,500 trip interruption. A single covered cancellation could return more than the card's lifetime fees. If you book one CHF 3,000+ trip annually and something goes wrong, this insurance pays for itself. For occasional travelers, the protection has real value. Our credit card insurance guide compares coverage across all Swiss cards.

What Actually Stands Out

Honestly? Not much. This is a competent, unremarkable card that does exactly what silver cards should do. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard for Switzerland. 24-hour customer service means help when you need it.

The strength is reliability over excitement. BancaStato has served Ticino since 1915. Your card integrates seamlessly with existing accounts. Customer service speaks Italian natively (important for Ticino residents). Sometimes boring and dependable is exactly what you want from a bank.

What Most Reviews Miss

Cantonal bank cards make most sense if you already bank there. Switching to BancaStato solely for this credit card makes no sense; dozens of equivalent options exist. The value is integration and relationship, not the card features themselves.

Also, 1 Surprize point per CHF 1 is modest. Spending CHF 25,000 annually earns 25,000 points worth roughly CHF 125-200 at good redemption rates. Premium cards offer 1.5x-2x this earning rate. If rewards optimization matters to you, look at gold-tier alternatives.

The Bottom Line

A perfectly adequate silver card for existing BancaStato customers in Ticino. It does what it promises without fanfare or disappointment. If you bank with BancaStato and want simple rewards plus travel insurance, this is the obvious choice. Compare options in our best credit cards in Switzerland guide. This card is also available on Visa with identical benefits.

Verdict: Choose this for convenience if you're already a BancaStato customer. Don't switch banks for it.

Best For: existing BancaStato customers in Ticino wanting a basic rewards card, occasional travelers who value the CHF 10,000 trip cancellation coverage, those who prefer Italian-speaking customer service from a local cantonal bank
Consider Alternatives If: you don't bank with BancaStato (equivalent cards exist at every cantonal bank), you want premium travel benefits like lounge access or substantial medical coverage, you're optimizing for maximum rewards and willing to carry multiple cards

PROS

  • 10000 welcome bonus points
  • Travel insurance coverage up to CHF 10,000
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • Surprize program for bonus points
  • Travel insurance coverage up to CHF 10000
  • 24-hour service and support for cardholders

CONS

  • No medical coverage
  • No airport lounge access
  • No concierge service

Card Details

At a Glance

Annual fee

CHF 100

Rewards rate

1 points/CHF

FX Fee

1.75%

Welcome bonus

10,000 points

Travel insurance coverage

CHF 10'000

Apple Pay
Contactless payments
Mastercard

Fees & Costs

First year annual fee

CHF 100

Annual fee (after first year)

CHF 100

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 25/card/year • Up to 2 cards

Rewards Program

Rewards type

Points

Base rewards rate

1 / CHF

Welcome bonus

10,000 points

Insurance & Protection

Travel insurance coverage

CHF 10'000

Medical insurance coverage

No medical coverage

Purchase protection

CHF 1'000

Card Features

Card Network

Mastercard

Card Type

Standard

Currency

CHF

Minimum income requirement

No income requirement

Monthly spending limit

CHF 10'000

Airport lounge access

Concierge service

Key Features

  • Surprize program for bonus points
  • Travel insurance coverage up to CHF 10000
  • 24-hour service and support for cardholders
  • Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
  • Contactless payments for convenient transactions

Calculate If This Card Is Worth It for You

CHF 2'500/mo

= CHF 30'000/year

You Pay

CHF 100

per year

You Get Back

CHF 480

estimated value

Bottom Line

+CHF 380

in your pocket

Annual calculation:

Rewards earnedCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Welcome bonus (1st year)≈ CHF 100

10'000 points × 1 ct

Travel & medical insurance≈ CHF 80
Total benefitsCHF 480
Annual fee- CHF 100
Net value+CHF 380

Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.

Rating by Category

Cashback

116 cards

3.3
#48/ 116

Top 41%

#116#1
View top cards

Premium

122 cards

2.8
#69/ 122

Top 57%

#122#1
View top cards

Compare to Other Cards

TKB Visa Silver

TKB Visa Silver

TKB

3.3
Apply now
BancaStato Mastercard Silver

BancaStato Mastercard Silver

BancaStato

3.3
Apply now
Annual feeCHF 100
Annual feeCHF 100
Rewards rate1 points/CHF
Rewards rate1 points/CHF
Welcome bonus10000 points
Welcome bonus10000 points

Frequently Asked Questions

How are supplementary cards priced on the BancaStato Mastercard Silver?
BancaStato uses a two-tier structure most issuers don't: CHF 25 per additional card if both go on a single monthly statement, or CHF 50 per card if you want separate statements. You can add up to 2 supplementary cards. Most Swiss cashback cards either charge a flat per-card fee or include supplementary cards for free, so this billing split is unusual.
Does BancaStato charge a late payment fee on the Mastercard Silver?
No late payment fee. BancaStato joins the small group of Swiss issuers (4 of 49 cashback cards) that don't charge a fixed penalty for missed invoices. Only standard interest accrues on the unpaid balance until you settle. Most competitors charge CHF 20-30 per missed payment, so this is a genuine win if you've ever blown past a due date.

How We Rated This Card

Wondering why BancaStato Mastercard Silver got its score? We rate Cashback cards using a weighted formula. Here's what counts:

Cashback Rate (50%)
Customer Satisfaction (30%)
Fee Value (20%)

Same formula for every card in this category. No exceptions.

See our full rating methodology

Ready to Apply?

Apply for the BancaStato Mastercard Silver today and start enjoying its benefits.