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.

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.

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.