Bank Cler World Mastercard SilverBank
Cashback
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Bank Cler World Mastercard Silver

Bank

Gesamtbewertung

3.2/5

Jahresgebühr

CHF 75

Netzwerk

Mastercard

Prämientyp

Points

Willkommensbonus

10,000 points

Auch gut für

Premium

Unsere Einschätzung zur Bank Cler World Mastercard Silver

Ihr Schweizer Finanzbegleiter
Adrien Missioux
Adrien Missioux

First year free, then CHF 75. Plus 1,000 bonus points every year just for keeping the card.

The Bank Cler World Mastercard Silver combines below-market pricing with a loyalty twist: 1,000 bonus Surprize points annually on top of your spending rewards. Most cards only reward you at sign-up, then forget about you. Bank Cler rewards you for staying. They also offer this on Visa with identical benefits, so your choice is about which network fits your wallet. See also the Bank Cler Visa Classic.

Is CHF 75 Worth It?

Most cantonal bank silver cards charge CHF 100. Bank Cler charges CHF 75 with the first year free. That's a risk-free trial followed by CHF 25 annual savings compared to competitors. The 10,000 welcome Surprize points (worth CHF 50-100) mean you're ahead even before you start spending.

The 1,000 loyalty points annually adds roughly CHF 5-10 in value each year. Sounds small, but over 10 years, that's CHF 50-100 in bonus rewards that other silver cards don't provide. For long-term holders, this structure quietly outperforms.

What Actually Stands Out

The annual loyalty bonus is genuinely unusual among Swiss silver cards. You earn 1 Surprize point per CHF 1 spent (standard), but the extra 1,000 points per year acknowledges ongoing customers. It's a different philosophy: rewarding the relationship, not just the transaction.

Trip insurance covers CHF 10,000 cancellation and CHF 7,500 interruption. Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The World Mastercard designation technically adds hotel and experience perks through Priceless Cities, though Swiss offerings are limited. Our credit card insurance guide compares coverage across all Swiss cards.

What Most Reviews Miss

Bank Cler positions itself as Switzerland's sustainability-focused bank. The card itself doesn't have specific green features (no carbon offsets or eco-rewards), but if banking with an environmentally-conscious institution matters to you, the card fits that broader relationship.

The first year free is genuinely useful as a trial. Use the card for 12 months, evaluate whether it fits your spending patterns, cancel before year two if it doesn't work. You've paid nothing and earned 10,000+ points in the process.

The Bottom Line

A well-priced silver card that gets better the longer you hold it. The below-market fee, first-year-free trial, and annual loyalty bonus make this a smart pick for Bank Cler customers who plan to stick around. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Strong long-term value. The loyalty bonus sets it apart from identical-looking silver cards at other banks.

Ideal für: Bank Cler customers planning to keep the card long-term (the loyalty points compound), those wanting below-average pricing with CHF 75 instead of the typical CHF 100, sustainability-conscious consumers who value Bank Cler's environmental positioning
Alternativen erwägen, wenn: you switch cards frequently for sign-up bonuses (the loyalty structure won't benefit you), you want premium travel benefits like lounge access or medical coverage abroad, you don't bank with Bank Cler and have no interest in their sustainability focus

VORTEILE

  • 10000 welcome bonus points
  • Travel insurance coverage up to CHF 10,000
  • Apple Pay compatible
  • Contactless payments for convenient transactions
  • Travel insurance coverage up to CHF 10000
  • Up to 7500 CHF coverage for trip interruptions

NACHTEILE

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

Kartendetails

Auf einen Blick

Jahresgebühr

CHF 75

1. Jahr

CHF 100

Prämiensatz

1 Punkte/CHF

FX-Gebühr

1.75%

Willkommensbonus

10,000 points

Reiseversicherungsschutz

CHF 10,000

Apple Pay
Kontaktloses Bezahlen
Mastercard

Gebühren & Kosten

Jahresgebühr im ersten Jahr

CHF 100

Jahresgebühr (nach dem ersten Jahr)

CHF 75

Fremdwährungsgebühr

1.75%

Bargeldabhebung (Inland)

4% (min CHF 10)

Bargeldabhebung (Ausland)

5.75% (min CHF 10)

Verzugsgebühr

CHF 20

Zusatzkarten

CHF 25/Karte/Jahr • Bis zu 2 Karten

Prämienprogramm

Prämientyp

Points

Basis-Prämiensatz

1 / CHF

Willkommensbonus

10,000 points

Versicherung & Schutz

Reiseversicherungsschutz

CHF 10,000

Krankenversicherungsschutz

Keine medizinische Versorgung

Kaufschutz

CHF 1,000

Kartenmerkmale

Kartennetzwerk

Mastercard

Kartentyp

Standard

Währung

CHF

Mindesteinkommensanforderung

Keine Einkommensanforderung

Monatliches Ausgabenlimit

CHF 10,000

Zugang zu Flughafen-Lounges

Concierge-Service

Hauptmerkmale

  • 10000 welcome bonus points
  • Travel insurance coverage up to CHF 10000
  • Up to 7500 CHF coverage for trip interruptions
  • 1,000 loyalty points earned annually (which can be converted to rewards)
  • Multiple mobile payment options

Berechnen Sie, ob sich diese Karte für Sie lohnt

CHF 2’500/mo

= CHF 30’000/year

Sie zahlen

CHF 75

pro Jahr

Sie erhalten

CHF 480

geschätzter Wert

Unterm Strich

+CHF 405

in Ihrer Tasche

Jährliche Berechnung:

Verdiente PrämienCHF 300

CHF 30’000/yr × 1 points/CHF × 1 ct

Willkommensbonus (1. Jahr)≈ CHF 100

10’000 points × 1 ct

Reise- & Krankenversicherung≈ CHF 80
GesamtvorteileCHF 480
Jahresgebühr- CHF 75
Nettowert+CHF 405

Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.

Bewertung nach Kategorie

Cashback

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3.2
#59/ 116

Top 51%

#116#1
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2.7
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Top 70%

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Mit anderen Karten vergleichen

AKB World Mastercard Gold

AKB World Mastercard Gold

AKB

3.4
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Bank Cler World Mastercard Silver

Bank Cler World Mastercard Silver

Bank

3.2
Jetzt beantragen
JahresgebührCHF 144
JahresgebührCHF 75
Prämiensatz1.5 points/CHF
Prämiensatz1 points/CHF
Willkommensbonus20000 points
Willkommensbonus10000 points

Häufig gestellte Fragen

What is the annual fee for the Bank Cler World Mastercard Silver?
The Bank Cler World Mastercard Silver has a promotional first year fee of CHF 100, then CHF 75 per year afterwards.
What are the foreign transaction fees for the Bank Cler World Mastercard Silver?
The Bank Cler World Mastercard Silver charges a 1.75% foreign exchange fee on international transactions.
What rewards does the Bank Cler World Mastercard Silver offer?
The Bank Cler World Mastercard Silver offers points rewards at a base rate of 1 per CHF spent.
What insurance coverage does the Bank Cler World Mastercard Silver include?
The Bank Cler World Mastercard Silver includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
Is the Bank Cler World Mastercard Silver compatible with Apple Pay?
Yes, the Bank Cler World Mastercard Silver is fully compatible with Apple Pay for contactless mobile payments.

So haben wir diese Karte bewertet

Sie fragen sich, warum Bank Cler World Mastercard Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:

Cashback-Rate (50%)
Kundenzufriedenheit (30%)
Preis-Leistung (20%)

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