
Bank Cler World Mastercard Gold
Bank
Overall Rating
Annual fee
CHF 200
Network
Mastercard
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on Bank Cler World Mastercard Gold

2,000 bonus points every year on top of CHF 250,000 medical coverage. Gold cards that reward loyalty are rare.
The Bank Cler World Mastercard Gold combines serious travel insurance with an annual loyalty bonus that most gold cards don't offer. At CHF 200, you get CHF 250,000 medical coverage, Priority Pass lounge access, and 2,000 bonus points each year just for keeping the card. Bank Cler also offers this on Visa with identical benefits, so your network choice comes down to preference. See also the Bank Cler Visa Gold.
Is CHF 200 Worth It?
The insurance math is compelling. CHF 250,000 medical coverage abroad costs CHF 150-200 as standalone travel insurance. Add the CHF 20,000 trip cancellation and CHF 15,000 trip interruption (worth CHF 50-80 standalone), and you're looking at CHF 200-280 in insurance value. The fee essentially pays for itself through protection alone.
Then there's the rewards layer. The 20,000 welcome Surprize points (worth CHF 100-150) make year one especially lucrative. The 2,000 annual loyalty points add CHF 10-20 in value each year on top of your spending rewards. Over 10 years, that's an extra CHF 100-200 that competing gold cards don't provide.
What Actually Stands Out
The annual loyalty bonus is genuinely unusual at gold tier. Most gold cards offer a welcome bonus, then baseline rewards only. Bank Cler rewards you for staying. Combined with 1.5 Surprize points per CHF 1 spent, the total earning structure quietly outperforms competitors over time.
The CHF 250,000 medical coverage handles real emergencies: helicopter evacuations, US hospitalizations, serious injuries abroad. Standard Priority Pass membership provides lounge access at EUR 30 per visit. World Mastercard perks through Priceless Cities add minor hotel and experience discounts. Our lounge access guide compares every Swiss card with lounge perks.
What Most Reviews Miss
The insurance only covers trips booked with this card. Pay for flights with a debit card or another credit card? The coverage doesn't apply. Always use your Bank Cler card for travel purchases if you want the protection. Coverage doesn't apply within Switzerland either.
Bank Cler's sustainability positioning extends to their banking philosophy. The credit card itself doesn't have specific eco-features, but if aligning your finances with environmental values matters to you, the card fits within that relationship. Some customers find this meaningful; for others, the insurance and rewards are what count.
The Bottom Line
A gold card that actually rewards you for keeping it. The insurance provides genuine protection, and the annual loyalty bonus compounds over years of holding the card. For long-term Bank Cler customers who travel internationally, the value is hard to beat at this price. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Excellent for long-term holders. The loyalty structure and insurance together make this one of the better gold card propositions in Switzerland.
PROS
- 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
- Travel insurance coverage up to CHF 20000
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
Rewards rate
1.5 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 200
Annual fee (after first year)
CHF 200
Foreign exchange fee
1.75%
Cash Withdrawal (Domestic)
4% (min CHF 10)
Cash Withdrawal (International)
5.75% (min CHF 10)
Late Payment Fee
CHF 20
Additional Cards
CHF 50/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 250'000
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Mastercard
Card Type
Gold
Currency
CHF, USD, EUR
Dual Network
mastercard + visa
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 20000
- Up to CHF 250000 coverage for medical expenses
- Standard Priority Pass membership
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 200
per year
You Get Back
CHF 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 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
- Bank Cler Visa Gold or World Mastercard Gold: which to pick?
- The two cards have identical pricing, identical no-monthly-cap policy, identical loyalty structure (20,000 welcome plus 2,000 per year), and identical supplementary card terms in Bank Cler's lineup. The only published difference is the payment network. For everyday Switzerland use they're functionally the same. Pick based on which network you prefer or which complements your existing cards better.
- What loyalty points do I earn on the Bank Cler World Mastercard Gold?
- 20,000 welcome points after activation, plus 2,000 loyalty points every year you keep the card. The annual top-up is unusual in the premium segment where most Gold cards offer only a one-time welcome bonus. Over five years that's 10,000 additional points beyond the welcome credit, on top of ongoing per-purchase earning. That's double the loyalty rate of Bank Cler's cashback tier.
How We Rated This Card
Wondering why Bank Cler World Mastercard Gold got its score? We rate Premium 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 Bank Cler World Mastercard Gold today and start enjoying its benefits.

