Auch gut für
Unsere Einschätzung zur 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.
VORTEILE
- 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
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
Prämiensatz
1 Punkte/CHF
FX-Gebühr
1.75%
Willkommensbonus
10,000 points
Reiseversicherungsschutz
CHF 10'000
Gebühren & Kosten
Gebühren & Kosten
Jahresgebühr im ersten Jahr
CHF 100
Jahresgebühr (nach dem ersten Jahr)
CHF 100
Fremdwährungsgebühr
1.75%
Bargeldabhebung (Inland)
4% (min CHF 10)
Bargeldabhebung (Ausland)
5.75% (min CHF 10)
Verzugsgebühr
CHF 20
Zusatzkarten
CHF 25/Karte/Jahr • Bis zu 2 Karten
Prämienprogramm
Prämienprogramm
Prämientyp
Points
Basis-Prämiensatz
1 / CHF
Willkommensbonus
10,000 points
Versicherung & Schutz
Versicherung & Schutz
Reiseversicherungsschutz
CHF 10'000
Krankenversicherungsschutz
Keine medizinische Versorgung
Kaufschutz
CHF 1'000
Kartenmerkmale
Kartenmerkmale
Kartennetzwerk
Visa
Kartentyp
Standard
Währung
CHF
Mindesteinkommensanforderung
Keine Einkommensanforderung
Monatliches Ausgabenlimit
CHF 10'000
Zugang zu Flughafen-Lounges
Concierge-Service
Hauptmerkmale
- 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
Berechnen Sie, ob sich diese Karte für Sie lohnt
= CHF 30'000/year
Sie zahlen
CHF 100
pro Jahr
Sie erhalten
CHF 480
geschätzter Wert
Unterm Strich
+CHF 380
in Ihrer Tasche
Jährliche Berechnung:
CHF 30'000/yr × 1 points/CHF × 1 ct
10'000 points × 1 ct
Verschieben Sie den Regler, um den Kartenwert zu sehen. Meilen: 1,5 Rp., Punkte: 1 Rp.
Bewertung nach Kategorie
Mit anderen Karten vergleichen
Häufig gestellte Fragen
- 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.
So haben wir diese Karte bewertet
Sie fragen sich, warum BEKB Visa Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
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