BEKB World Mastercard GoldBEKB
Premium
Gold

BEKB World Mastercard Gold

BEKB

Note Globale

4.4/5

Frais annuels

CHF 200

Réseau

Mastercard

Type de Récompenses

Points

Bonus de bienvenue

20,000 points

Également bon pour

Cashback
Voyage (miles)

Notre Avis sur BEKB World Mastercard Gold

Votre compagnon financier suisse
Adrien Missioux
Adrien Missioux

CHF 250,000 medical coverage and lounge access for CHF 200. Bern's gold card with real emergency protection.

The BEKB World Mastercard Gold delivers substantial travel insurance and Priority Pass lounge access at standard gold pricing. At CHF 200 annually with 20,000 welcome points, it's built for Bern residents who travel internationally and want genuine emergency protection. BEKB also offers this on Visa with identical benefits, so your network choice comes down to preference. See also the BEKB Visa Gold.

Is CHF 200 Worth It?

The insurance value tells the story. CHF 250,000 medical coverage abroad costs CHF 150-200 as standalone travel insurance for frequent travelers. Add the CHF 20,000 trip cancellation and CHF 15,000 trip interruption (worth CHF 50-80 standalone), and you're looking at CHF 200-280 in protection value alone.

The 20,000 welcome Surprize points (worth CHF 100-150) make year one a clear win. Ongoing, the insurance component alone justifies the annual fee for anyone traveling internationally 2-3 times per year.

What Actually Stands Out

CHF 250,000 in medical coverage protects against real catastrophes. Silver cards don't cover medical costs abroad at all. This Mastercard Gold handles helicopter evacuations (CHF 20,000+), US hospital stays (CHF 100,000+), and other scenarios that could wreck your finances.

You earn 1.5 Surprize points per CHF 1 spent, 50% more than silver tier. Standard Priority Pass membership provides lounge access at EUR 30 per visit. The World Mastercard designation adds minor hotel and experience perks through Priceless Cities. Our lounge access guide compares every Swiss card with lounge perks.

What Most Reviews Miss

The insurance only covers trips booked with this card. Pay for flights with a debit card or another credit card? The coverage doesn't apply. This catches people regularly. Always use your BEKB card for travel purchases if you want the protection. Also, coverage doesn't apply within Switzerland.

The lounge access costs EUR 30 per visit, not unlimited. Cards at CHF 500+ often include unlimited free entries. For moderate travelers (2-4 flights yearly), BEKB's pay-per-visit approach is more cost-effective than upgrading to a premium card you won't fully use.

The Bottom Line

A strong gold card for BEKB customers who travel internationally. The insurance provides genuine value, and German-speaking customer support helps when dealing with travel emergencies. Compare alternatives in our best premium credit cards in Switzerland guide.

Verdict: Solid insurance value at standard gold pricing. Worth it for any BEKB customer who flies abroad regularly.

Idéal pour: BEKB customers who travel internationally 2-3+ times per year, Bern residents wanting CHF 250,000 medical coverage on a Mastercard, those who value German-speaking customer service from their local cantonal bank
Considérez des alternatives si: you don't bank with BEKB (equivalent cards exist at every cantonal bank), you want unlimited free lounge access (this charges EUR 30 per visit), you rarely travel outside Switzerland (the insurance value won't benefit you)

AVANTAGES

  • 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)

INCONVÉNIENTS

  • High annual fee (CHF 200)
  • No concierge service

Détails de la carte

En un coup d'œil

Frais annuels

CHF 200

Taux de récompense

1.5 points/CHF

Frais FX

1.75%

Bonus de bienvenue

20,000 points

Couverture d'assurance voyage

CHF 20,000

Apple Pay
Paiements sans contact
Accès aux salons d'aéroport
Mastercard

Frais & Coûts

Frais annuels la première année

CHF 200

Frais annuels (après la première année)

CHF 200

Frais de change

1.75%

Retrait d'Espèces (National)

4% (min CHF 10)

Retrait d'Espèces (International)

5.75% (min CHF 10)

Frais de Retard

CHF 20

Cartes supplémentaires

CHF 50/carte/an • Jusqu'à 2 cartes

Programme de Récompenses

Type de récompense

Points

Taux de récompense de base

1.5 / CHF

Bonus de bienvenue

20,000 points

Assurance & Protection

Couverture d'assurance voyage

CHF 20,000

Couverture d'assurance médicale

CHF 250,000

Protection des achats

CHF 2,000

Caractéristiques de la Carte

Réseau de la Carte

Mastercard

Type de Carte

Gold

Devise

CHF

Revenu minimum requis

Aucune exigence de revenu

Limite de dépenses mensuelles

-

Accès aux salons d'aéroport

Accès aux salons d'aéroport disponible

Service de conciergerie

Caractéristiques Principales

  • 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

Calculez si cette carte en vaut la peine pour vous

CHF 2’500/mo

= CHF 30’000/year

Vous payez

CHF 200

par an

Vous recevez

CHF 900

valeur estimée

Bilan

+CHF 700

dans votre poche

Calcul annuel :

Récompenses gagnéesCHF 450

CHF 30’000/yr × 1.5 points/CHF × 1 ct

Bonus de bienvenue (1ère année)≈ CHF 200

20’000 points × 1 ct

Assurance voyage & santé≈ CHF 180
Accès aux salons aéroport≈ CHF 70
Total des avantagesCHF 900
Cotisation annuelle- CHF 200
Valeur nette+CHF 700

Déplacez le curseur pour voir la valeur. Miles: 1,5 ct, points: 1 ct.

Note par Catégorie

Cashback

116 cards

3.2
#83/ 116

Top 72%

#116#1
Voir les meilleures cartes

Premium

122 cards

4.4
#122/ 122

Top 100%

#122#1
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Voyage (miles)

45 cards

2.3
#23/ 45

Top 51%

#45#1
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Comparer avec d'autres cartes

BEKB Visa Gold

BEKB Visa Gold

BEKB

4.4
Postuler maintenant
BEKB World Mastercard Gold

BEKB World Mastercard Gold

BEKB

4.4
Postuler maintenant
Frais annuelsCHF 200
Frais annuelsCHF 200
Taux de récompense1.5 points/CHF
Taux de récompense1.5 points/CHF
Bonus de bienvenue20000 points
Bonus de bienvenue20000 points

Questions fréquemment posées

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.

Comment nous avons noté cette carte

Vous vous demandez pourquoi BEKB World Mastercard Gold a obtenu ce score ? On note les cartes Premium avec une formule pondérée. Voici ce qui compte :

Couverture assurance (35%)
Avantages (30%)
Satisfaction client (25%)
Niveau de frais (10%)

Même formule pour toutes les cartes de cette catégorie. Sans exception.

Voir notre méthodologie complète

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