
BKB Visa Gold
BKB
Overall Rating
Annual fee
CHF 200
1st year: CHF 150
Network
Visa
Rewards Type
Points
Welcome bonus
20,000 points
Also good for
Our Take on BKB Visa Gold

CHF 250,000 medical coverage plus up to 2,000 loyalty points every year. That's more than most gold cards offer.
The BKB Visa Gold combines substantial travel insurance with an unusual perk: up to 2,000 loyalty points annually on top of your spending rewards. Most gold cards offer welcome bonuses then forget about retention. BKB's approach rewards long-term customers, adding value that compounds over years of holding the card. Also available on the other network: BKB 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. The CHF 20,000 trip cancellation and CHF 15,000 trip interruption coverage adds another CHF 50-80. The 20,000 welcome Surprize points are worth CHF 100-150.
Year one at promotional CHF 150, you're significantly ahead. Ongoing, add the up to 2,000 loyalty points annually (worth CHF 10-20) that other cards don't provide. Over 10 years, that's CHF 100-200 in extra rewards. For long-term holders, BKB's structure genuinely outperforms competitors.
What Actually Stands Out
The loyalty reward structure differentiates this card. You earn 1.5 Surprize points per CHF 1 spent (standard for gold), but the 2,000 annual bonus acknowledges ongoing customers. It's a philosophical difference: relationship over transaction.
The CHF 250,000 medical coverage protects against catastrophic emergencies abroad. Standard Priority Pass membership provides lounge access at EUR 30 per visit. The insurance alone justifies the fee for regular international travelers. 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 flights with a debit card? Not covered. This is standard practice, but catches people regularly. Always use this card for travel purchases if you want the protection.
The loyalty points cap at 2,000 annually. The exact earning depends on terms that may change. It's a nice differentiator, but the core value remains the insurance. Don't choose this card solely for the loyalty bonus; choose it for the combination of insurance and ongoing rewards.
The Bottom Line
A gold card that rewards loyalty over acquisition. The insurance provides genuine value, and the annual bonus points compound over time. For long-term holders who travel internationally, this outperforms cards that only offer welcome bonuses. Compare alternatives in our best premium credit cards in Switzerland guide.
Verdict: Excellent for long-term holders who value both insurance and ongoing rewards. The loyalty structure adds real value.
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
- Travel insurance coverage up to CHF 20000
CONS
- High annual fee (CHF 200)
- No concierge service
Card Details
At a Glance
Annual fee
CHF 200
1st Year
CHF 150
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 150
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, USD, EUR
Minimum income requirement
No income requirement
Monthly spending limit
-
Airport lounge access
Airport lounge access available
Concierge service
Key Features
- 1 welcome bonus points
- Travel insurance coverage up to CHF 20000
- Up to CHF 250000 coverage for medical expenses
- Standard Priority Pass membership
- Multiple mobile payment options (Samsung Pay, Apple Pay, Google Pay, Garmin Pay)
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
- How many loyalty points can the BKB Visa Gold earn each year?
- Up to 2,000 engagement points. That's double the BKB Silver tier's cap of 1,000. The Surprize program redeems near 1 centime per point, so the engagement cap alone is worth about CHF 20 a year if you stay maxed out. The 20,000 welcome points are separate.
- Does the BKB Visa Gold cut the cash withdrawal fee compared to the Silver?
- No, both charge 4.00% domestic and 5.75% abroad with a CHF 10 floor. Premium tier doesn't unlock cheaper ATM use at BKB. The Gold's value comes from insurance, the doubled loyalty cap, and the bigger welcome bonus, not from cash. Use a debit card for cash.
How We Rated This Card
Wondering why BKB 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 BKB Visa Gold today and start enjoying its benefits.

