Also good for
Our Take on BEKB World Mastercard Gold
Identical to BEKB's Visa Gold. Same CHF 250,000 coverage, the "World" branding adds minor perks.
The BEKB World Mastercard Gold is functionally identical to its Visa sibling: same CHF 200 fee, same 20,000 welcome points, same CHF 250,000 medical coverage, same Priority Pass access. The "World" designation is Mastercard's premium tier, adding minor hotel and experience perks that rarely matter in practice.
What Does "World" Actually Mean?
World Mastercard is Mastercard's premium program tier, offering special hotel rates and experiences through Mastercard Priceless. In Switzerland, these extras are marginal. You might save 10% at a participating hotel occasionally, but the real value remains the insurance and rewards.
The core product is identical to the Visa: CHF 200 annual fee, 1.5 Surprize points per CHF 1 spent, 20,000 welcome points, CHF 250,000 medical coverage abroad, Standard Priority Pass at EUR 30 per visit.
What Actually Stands Out
Everything practical matches the Visa version. CHF 250,000 medical coverage abroad protecting against catastrophic emergencies. CHF 20,000 trip cancellation and CHF 15,000 trip interruption coverage. 1.5 Surprize points per CHF 1 spent with 20,000 welcome points.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard. Insurance claims process identically regardless of which network logo is on your card.
What Most Reviews Miss
Visa and Mastercard acceptance in Switzerland is virtually identical. You'll rarely find a merchant that takes one but not the other. The "World" perks through Priceless Cities might appeal if you're in major cities, but Swiss offerings are limited compared to London or New York.
If you're overthinking this decision, just pick whichever network you don't already have. The underlying product is identical in every way that affects your daily experience.
The Bottom Line
A reliable gold card for BEKB customers, interchangeable with the Visa version. The insurance provides genuine value. Network choice has zero practical impact. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Same excellent value as the Visa Gold. The "World" branding is nice-to-have, not need-to-have.
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
- Up to 250,000 Swiss francs coverage for medical expenses on trips (up to 90 days)
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
Mastercard
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
- Up to 250,000 Swiss francs coverage for medical expenses on trips (up to 90 days)
- Standard Priority Pass membership
- Contactless payments for convenient transactions
- 24-hour service and SMS notifications for enhanced customer 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 is the annual fee for the BEKB World Mastercard Gold?
- The BEKB World Mastercard Gold has an annual fee of CHF 200.
- What are the foreign transaction fees for the BEKB World Mastercard Gold?
- The BEKB World Mastercard Gold charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the BEKB World Mastercard Gold offer?
- The BEKB World Mastercard Gold offers points rewards at a base rate of 1.5 per CHF spent.
- What insurance coverage does the BEKB World Mastercard Gold include?
- The BEKB World Mastercard Gold includes travel insurance up to CHF 20,000 and medical coverage up to CHF 250,000 abroad.
- Does the BEKB World Mastercard Gold include airport lounge access?
- Yes, the BEKB World Mastercard Gold includes airport lounge access through Priority Pass or partner programs.
- Is the BEKB World Mastercard Gold compatible with Apple Pay?
- Yes, the BEKB World Mastercard Gold is fully compatible with Apple Pay for contactless mobile payments.
How We Rated This Card
Wondering why BEKB World Mastercard 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 World Mastercard Gold today and start enjoying its benefits.