Bank Cler World Mastercard Silver

Same 1,000 annual loyalty points as the Visa. The "World" branding adds minimal extras.

The Bank Cler World Mastercard Silver is functionally identical to its Visa sibling: same CHF 75 fee, same 10,000 welcome points, same 1,000 annual loyalty bonus, same travel insurance. The "World" designation is Mastercard's premium tier, adding minor hotel and experience perks that rarely matter in practice.

What Does "World" Actually Mean?

World Mastercard is Mastercard's premium program tier, positioned between standard and "World Elite." It theoretically offers special hotel rates, exclusive experiences, and enhanced purchase protection through Mastercard Priceless. In practice, these extras are marginal. You might save 10% at a participating hotel occasionally.

The real value remains Bank Cler's loyalty structure: CHF 75 annual fee (first year free), 10,000 welcome points, and 1,000 loyalty points annually that other banks don't provide. Don't choose based on "World" branding; choose based on network preference.

What Actually Stands Out

Everything practical matches the Visa version. 1 Surprize point per CHF 1 spent. CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage for trips up to 90 days. 1,000 loyalty points annually on top of spending rewards, which adds roughly CHF 5-10 in value each year.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard. Additional cards cost CHF 25 each. The first year free makes this essentially a risk-free trial.

What Most Reviews Miss

Visa and Mastercard acceptance in Switzerland is virtually identical. You'll rarely find a merchant that takes one but not the other. The "World" perks through Priceless Cities might appeal if you're in major cities, but Geneva and Zurich offerings are limited.

Bank Cler's sustainability positioning matters to some customers. The credit card doesn't have specific green features, but if banking with an environmentally-conscious institution is important to you, the card integrates with that broader relationship.

The Bottom Line

A well-priced silver card with Bank Cler's loyalty twist, on the Mastercard network. The "World" designation adds minimal practical value. Choose based on network preference or existing card portfolio. Compare alternatives in our best credit cards in Switzerland guide.

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