Bank Cler World Mastercard SilverBank
Cashback
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Bank Cler World Mastercard Silver

Bank

Note Globale

3.2/5

Frais annuels

CHF 75

Réseau

Mastercard

Type de Récompenses

Points

Bonus de bienvenue

10,000 points

Également bon pour

Premium

Notre Avis sur Bank Cler World Mastercard Silver

Votre compagnon financier suisse
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.

Idéal pour: 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
Considérez des alternatives si: 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

AVANTAGES

  • 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

INCONVÉNIENTS

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

Détails de la carte

En un coup d'œil

Frais annuels

CHF 75

1ère année

CHF 100

Taux de récompense

1 points/CHF

Frais FX

1.75%

Bonus de bienvenue

10,000 points

Couverture d'assurance voyage

CHF 10'000

Apple Pay
Paiements sans contact
Mastercard

Frais & Coûts

Frais annuels la première année

CHF 100

Frais annuels (après la première année)

CHF 75

Frais de change

1.75%

Retrait d'Espèces (National)

4% (min CHF 10)

Retrait d'Espèces (International)

5.75% (min CHF 10)

Frais de Retard

CHF 20

Cartes supplémentaires

CHF 25/carte/an • Jusqu'à 2 cartes

Programme de Récompenses

Type de récompense

Points

Taux de récompense de base

1 / CHF

Bonus de bienvenue

10,000 points

Assurance & Protection

Couverture d'assurance voyage

CHF 10'000

Couverture d'assurance médicale

Pas de couverture médicale

Protection des achats

CHF 1'000

Caractéristiques de la Carte

Réseau de la Carte

Mastercard

Type de Carte

Standard

Devise

CHF

Revenu minimum requis

Aucune exigence de revenu

Limite de dépenses mensuelles

CHF 10'000

Accès aux salons d'aéroport

Service de conciergerie

Caractéristiques Principales

  • 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

Calculez si cette carte en vaut la peine pour vous

CHF 2'500/mo

= CHF 30'000/year

Vous payez

CHF 75

par an

Vous recevez

CHF 480

valeur estimée

Bilan

+CHF 405

dans votre poche

Calcul annuel :

Récompenses gagnéesCHF 300

CHF 30'000/yr × 1 points/CHF × 1 ct

Bonus de bienvenue (1ère année)≈ CHF 100

10'000 points × 1 ct

Assurance voyage & santé≈ CHF 80
Total des avantagesCHF 480
Cotisation annuelle- CHF 75
Valeur nette+CHF 405

Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.

Note par Catégorie

Cashback

116 cards

3.2
#59/ 116

Top 51%

#116#1
Voir les meilleures cartes

Premium

122 cards

2.7
#85/ 122

Top 70%

#122#1
Voir les meilleures cartes

Comparer avec d'autres cartes

AKB World Mastercard Gold

AKB World Mastercard Gold

AKB

3.4
Postuler maintenant
Bank Cler World Mastercard Silver

Bank Cler World Mastercard Silver

Bank

3.2
Postuler maintenant
Frais annuelsCHF 144
Frais annuelsCHF 75
Taux de récompense1.5 points/CHF
Taux de récompense1 points/CHF
Bonus de bienvenue20000 points
Bonus de bienvenue10000 points

Questions fréquemment posées

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.

Comment nous avons noté cette carte

Vous vous demandez pourquoi Bank Cler World Mastercard Silver a obtenu ce score ? On note les cartes Cashback avec une formule pondérée. Voici ce qui compte :

Taux de cashback (50%)
Satisfaction client (30%)
Rapport qualité-prix (20%)

Même formule pour toutes les cartes de cette catégorie. Sans exception.

Voir notre méthodologie complète

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