Bank Cler World Mastercard Gold

Same CHF 250,000 coverage and 2,000 annual loyalty points as the Visa Gold. Different network logo.

The Bank Cler World Mastercard Gold is functionally identical to its Visa sibling: same CHF 200 fee, same 20,000 welcome points, same 2,000 annual loyalty bonus, same CHF 250,000 medical coverage. The "World" designation is Mastercard's premium tier. Choose this over the Visa purely based on network preference.

What Does "World" Actually Mean?

World Mastercard is Mastercard's premium program tier, offering special hotel rates and experiences through Mastercard Priceless. In Switzerland, these extras are marginal. Geneva and Zurich have limited Priceless offerings compared to major US or UK cities. You might save 10% at a participating hotel occasionally.

The real value remains Bank Cler's loyalty structure and insurance. 2,000 loyalty points annually on top of your spending rewards is unusual for gold cards. Most competitors offer welcome bonuses then forget about retention. Bank Cler rewards customers who stay.

What Actually Stands Out

Everything practical matches the Visa version. CHF 250,000 medical coverage abroad protecting against catastrophic emergencies. CHF 20,000 trip cancellation and CHF 15,000 trip interruption coverage. 1.5 Surprize points per CHF 1 spent with 20,000 welcome points. Standard Priority Pass at EUR 30 per lounge visit.

The 2,000 annual loyalty points add roughly CHF 10-20 in value each year. Over 10 years, that's CHF 100-200 in bonus rewards that competing gold cards don't provide. For long-term holders, Bank Cler's structure genuinely outperforms.

What Most Reviews Miss

The insurance only covers trips booked with this card. This is standard across all card insurances, but catches people regularly. Always use this card for travel purchases if you want the protection. Coverage doesn't apply within Switzerland.

Bank Cler's sustainability positioning extends to their banking philosophy. The credit card doesn't have specific green features, but if aligning your banking with environmental values matters, the card integrates with that broader relationship.

The Bottom Line

An excellent gold card for long-term holders, on the Mastercard network. The loyalty rewards compound over time, and the insurance provides genuine protection. Choose based on network preference since the underlying product is identical to the Visa. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Same strong value as the Visa Gold. The "World" branding is nice-to-have, not need-to-have.