BEKB Mastercard Silver

Bern's standard cantonal bank silver card. 10,000 welcome points, solid trip insurance, CHF 100 pricing.

The BEKB (Berner Kantonalbank) Mastercard Silver delivers the standard Swiss cantonal bank silver card package: Surprize points, trip insurance, and reliable mobile payment support. For Bern residents banking with BEKB, it's the natural choice. Solid execution without innovation.

Is CHF 100 Worth It?

The math is straightforward. 10,000 welcome Surprize points are worth roughly CHF 50-100 in redemptions, effectively discounting year one by half. The ongoing 1 point per CHF 1 spent earns at standard rates. On CHF 20,000 annual spending, you'd earn 20,000 points worth CHF 100-200 at good redemption rates.

The CHF 10,000 trip cancellation and CHF 7,500 trip interruption coverage adds genuine value. A single covered cancellation on an expensive ski trip could return more than the card's lifetime fees. If you travel 2-3 times yearly, the insurance component justifies a significant portion of the fee.

What Actually Stands Out

Honestly? Not much. BEKB isn't trying to differentiate on product features. They're offering a reliable, predictable silver card for their customers. This is the same Surprize program, the same insurance coverage, the same mobile payment support as most cantonal banks.

Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard. 24-hour customer service means help when you need it. German-speaking support matters for Bern residents. Everything works reliably without surprises.

What Most Reviews Miss

No medical coverage at the silver tier. If you need protection against medical emergencies abroad, the silver card doesn't provide it. You'd need BEKB's gold card (CHF 250,000 coverage) or standalone travel insurance costing CHF 100-150 annually.

Cantonal bank cards make most sense if you already bank there. Switching to BEKB solely for this credit card makes no sense; equivalent options exist at every cantonal bank. The value is integration and relationship, not the card features themselves.

The Bottom Line

A reliable silver card for BEKB customers in Bern. It does what it promises without fanfare or disappointment. If you bank with BEKB and want simple rewards plus trip insurance, this is the obvious choice. Compare alternatives in our best credit cards in Switzerland guide.

Verdict: Solid choice for BEKB customers. Don't expect innovation; expect reliability.