Bank Cler World Mastercard SilverBank
Cashback
Standard

Bank Cler World Mastercard Silver

Bank

Overall Rating

3.2/5

Annual fee

CHF 75

Network

Mastercard

Rewards Type

Points

Welcome bonus

10,000 points

Also good for

Premium

Our Take on Bank Cler World Mastercard Silver

Your Swiss Finance Companion
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.

Best For: 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
Consider Alternatives If: 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

PROS

  • 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

CONS

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

Card Details

At a Glance

Annual fee

CHF 75

1st Year

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 75

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 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

  • 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

Calculate If This Card Is Worth It for You

CHF 2'500/mo

= CHF 30'000/year

You Pay

CHF 75

per year

You Get Back

CHF 480

estimated value

Bottom Line

+CHF 405

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 75
Net value+CHF 405

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

3.2
#59/ 116

Top 51%

#116#1
View top cards

Premium

122 cards

2.7
#85/ 122

Top 70%

#122#1
View top cards

Compare to Other Cards

AKB World Mastercard Gold

AKB World Mastercard Gold

AKB

3.4
Apply now
Bank Cler World Mastercard Silver

Bank Cler World Mastercard Silver

Bank

3.2
Apply now
Annual feeCHF 144
Annual feeCHF 75
Rewards rate1.5 points/CHF
Rewards rate1 points/CHF
Welcome bonus20000 points
Welcome bonus10000 points

Frequently Asked Questions

Bank Cler Visa Classic or World Mastercard Silver: which to pick?
The two cards have identical pricing, identical earning rates, identical loyalty point structure (10,000 welcome plus 1,000 per year), and identical supplementary card terms in Bank Cler's lineup. The only published difference is the payment network. Visa works at any Visa-accepting merchant; Mastercard at any Mastercard-accepting one. For Switzerland coverage they're indistinguishable, so pick based on which network your existing cards already use.
What loyalty points do I earn on the Bank Cler World Mastercard Silver?
10,000 welcome points after activation, plus 1,000 loyalty points every year you keep the card. The annual top-up is unusual in the cashback segment where most cards only offer a one-time welcome bonus. Over five years that's 5,000 additional points beyond the welcome credit, plus any per-purchase earning on top.

How We Rated This Card

Wondering why Bank Cler World 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 Bank Cler World Mastercard Silver today and start enjoying its benefits.