BEKB Visa Silver
BEKB
Overall Rating
Annual fee
CHF 100
Network
Visa
Rewards Type
Points
Welcome bonus
10,000 points
Also good for
Our Take on BEKB Visa Silver
10,000 welcome points and trip insurance at standard CHF 100 pricing. Bern's reliable Visa option.
The BEKB Visa Silver gives Bern residents a dependable silver card with Surprize rewards and trip protection. At CHF 100 annually with 10,000 welcome points, the first year is effectively half price. BEKB also offers this on Mastercard with identical benefits, so your choice comes down to which network suits your wallet. See also the BEKB Mastercard Silver.
Is CHF 100 Worth It?
The 10,000 welcome Surprize points are worth CHF 50-100 in redemptions, cutting the first year's cost significantly. Ongoing, you earn 1 point per CHF 1 spent. On CHF 20,000 annual spending, that's 20,000 points worth roughly CHF 100-200 at the best redemption rates.
Trip insurance covers CHF 10,000 cancellation and CHF 7,500 interruption for trips up to 90 days. A single covered cancellation on an expensive trip could return more than the card's lifetime fees. For Bern residents who travel occasionally, this protection provides real peace of mind.
What Actually Stands Out
BEKB delivers a predictable, no-surprises silver card that integrates smoothly with existing accounts. Card management, billing, and support all happen through the same banking relationship. German-speaking customer service matters for Bern residents, especially for travel disputes.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The Surprize program is Switzerland's most widespread credit card rewards ecosystem, redeemable for vouchers, travel, and experiences. The 1.75% FX fee is standard. Our credit card insurance guide compares coverage across all Swiss cards.
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 per year.
Cantonal bank cards work best for existing customers. Switching to BEKB solely for this credit card makes no sense. Equivalent silver cards exist at every cantonal bank. The value is the banking relationship and German-speaking service, not unique card features.
The Bottom Line
A solid silver card for BEKB customers in Bern. It delivers standard rewards and trip insurance without complexity. If you bank with BEKB and want a reliable Visa, this is the natural choice. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Dependable and fairly priced. Choose this for simplicity if you're already a BEKB customer.
PROS
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- 24-hour customer service support
CONS
- No medical coverage
- No airport lounge access
- No concierge service
Card Details
At a Glance
Annual fee
CHF 100
Rewards rate
1 points/CHF
FX Fee
1.75%
Welcome bonus
10,000 points
Travel insurance coverage
CHF 10'000
Fees & Costs
Fees & Costs
First year annual fee
CHF 100
Annual fee (after first year)
CHF 100
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 Program
Rewards type
Points
Base rewards rate
1 / CHF
Welcome bonus
10,000 points
Insurance & Protection
Insurance & Protection
Travel insurance coverage
CHF 10'000
Medical insurance coverage
No medical coverage
Purchase protection
CHF 1'000
Card Features
Card Features
Card Network
Visa
Card Type
Standard
Currency
CHF
Minimum income requirement
No income requirement
Monthly spending limit
CHF 10'000
Airport lounge access
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 10000
- 24-hour customer service support
- Multiple mobile payment options
- Comprehensive travel insurance covering up to 7500 CHF
Calculate If This Card Is Worth It for You
= CHF 30'000/year
You Pay
CHF 100
per year
You Get Back
CHF 480
estimated value
Bottom Line
+CHF 380
in your pocket
Annual calculation:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 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
- Is there a monthly spending cap on the BEKB Visa Silver?
- CHF 10,000 a month. Standard for the Silver tier. If you charge rent, an annual insurance premium, and a vacation in the same cycle, you can hit the ceiling fast. BEKB will raise it case by case based on your file, but the published baseline is 10K.
- What does the BEKB Visa Silver charge for cash withdrawals?
- 4.00% domestic, 5.75% abroad, with a CHF 10 minimum either way. That floor stings on small pulls: a CHF 100 withdrawal costs you CHF 10 in fees (effectively 10%, not 4%). Pull bigger amounts less often if you must, but a debit card is what cash is for.
How We Rated This Card
Wondering why BEKB Visa Silver got its score? We rate Cashback 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 Silver today and start enjoying its benefits.