BEKB Visa Gold
BEKB
Overall Rating
Annual fee
CHF 200
Network
Visa
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on BEKB Visa Gold
CHF 250,000 medical coverage abroad for CHF 200. That's genuine protection at standard gold pricing.
The BEKB Visa Gold delivers Bern's standard gold card package: substantial medical coverage, Priority Pass lounge access, and enhanced Surprize rewards. At CHF 200 annually, it matches typical cantonal bank pricing. For BEKB customers who travel internationally, the insurance provides genuine value. Also available on the other network: BEKB World Mastercard Gold.
Is CHF 200 Worth It?
Let's calculate the insurance value. CHF 250,000 medical coverage abroad would cost CHF 150-200 as standalone travel insurance for frequent travelers. The CHF 20,000 trip cancellation and CHF 15,000 trip interruption coverage adds another CHF 50-80 in standalone value. The 20,000 welcome Surprize points are worth CHF 100-150.
Year one, you're almost certainly ahead. Ongoing, you're paying CHF 200 for insurance worth CHF 200-280 standalone, plus earning 1.5 points per CHF 1 spent. If you travel internationally 2-3 times yearly, the math works comfortably.
What Actually Stands Out
The CHF 250,000 medical coverage is why gold cards matter. Silver cards don't include medical protection abroad. A helicopter evacuation costs CHF 20,000+. Emergency surgery in the US can exceed CHF 100,000. This coverage protects against catastrophic scenarios that could otherwise be financially devastating.
Standard Priority Pass membership provides lounge access at EUR 30 per visit. The 1.5 Surprize points per CHF 1 is 50% better than silver cards. On CHF 30,000 annual spending, you earn 45,000 points worth CHF 200-300 at good redemption rates. For a full breakdown of Priority Pass and LoungeKey cards, see our lounge access guide.
What Most Reviews Miss
The insurance only covers trips booked with this card. Book your flights with a debit card or different credit card? The coverage doesn't apply. This catches people regularly. Always use this card for travel purchases if you want the protection.
The lounge access isn't unlimited. It's discounted at EUR 30 per visit. Cards costing CHF 500+ often include unlimited free access. For moderate travelers (2-4 flights yearly), BEKB's approach is more economical than paying for premium cards you won't fully use.
The Bottom Line
A reliable gold card for BEKB customers who travel internationally 2-3+ times yearly. The insurance provides genuine value, and German-speaking customer service matters for Bern residents. Compare alternatives in our best premium credit cards in Switzerland guide. BEKB also offers this on Mastercard (World Mastercard Gold) with identical benefits.
Verdict: Solid choice for BEKB customers. The insurance value exceeds the fee for regular international travelers.
PROS
- 20000 welcome bonus points
- Travel insurance coverage up to CHF 20,000
- Up to CHF 250,000 coverage for medical expenses
- Airport lounge access
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Medical coverage of up to 250,000 Swiss francs per incident while traveling (non-Swiss trips only)
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
Rewards rate
1.5 points/CHF
FX Fee
1.75%
Welcome bonus
20,000 points
Travel insurance coverage
CHF 20'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 200
Annual fee (after first year)
CHF 200
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 50/card/year • Up to 2 cards
Rewards Program
Rewards Program
Rewards type
Points
Base rewards rate
1.5 / CHF
Welcome bonus
20,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 20'000
Medical insurance coverage
CHF 250'000
Purchase protection
CHF 2'000
Card Features
Card Features
Card Network
Visa
Card Type
Gold
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 1 welcome bonus points
- Medical coverage of up to 250,000 Swiss francs per incident while traveling (non-Swiss trips only)
- Standard Priority Pass membership
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
- 24-hour customer service support
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 200
per year
You Get Back
CHF 900
estimated value
Bottom Line
+CHF 700
in your pocket
Annual calculation:
CHF 30'000/yr × 1.5 points/CHF × 1 ct
20'000 points × 1 ct
Move the slider to see how your spending affects the card's value. Miles: 1.5 ct, points: 1 ct.
Rating by Category
Compare to Other Cards
Frequently Asked Questions
- What does a supplementary BEKB Visa Gold card cost?
- CHF 50 a year, single statement only, up to 2. Unlike BCV and BKB Gold cards (which offer a separate-statement option at an extra CHF 25 per card), BEKB only supports joint billing on this Gold tier. Both cardholders see every transaction. If financial privacy matters to a couple, this isn't the Gold to pick.
- Why doesn't the BEKB Visa Gold cut the cash withdrawal fee versus the Silver?
- Both charge 4.00% domestic and 5.75% abroad, with a CHF 10 floor. Many issuers reduce cash fees on Gold tiers as a perk; BEKB doesn't. The Gold's value sits in insurance coverage and welcome points, not cheaper ATM pulls. Use a debit card for cash.
How We Rated This Card
Wondering why BEKB Visa Gold got its score? We rate Premium cards using a weighted formula. Here's what counts:
Same formula for every card in this category. No exceptions.
See our full rating methodologyReady to Apply?
Apply for the BEKB Visa Gold today and start enjoying its benefits.