Auch gut für
Unsere Einschätzung zur BKB Visa Silver
Same 1,000 annual loyalty points as BKB's Mastercard. Pick whichever network you prefer.
The BKB Visa Silver is functionally identical to its Mastercard sibling: same CHF 100 fee, same 10,000 welcome points, same up to 1,000 loyalty points annually, same travel insurance. For Basel residents banking with BKB, your network choice is purely about personal preference or portfolio diversity.
Does Network Choice Actually Matter?
In Switzerland and Europe, Visa and Mastercard acceptance is virtually identical. You'll rarely find a merchant that takes one but not the other. Both work at essentially every retailer, restaurant, and online store. The technical differences don't affect your cardholder experience.
The practical reason to choose: portfolio diversity. If you already have Mastercards, adding a Visa provides backup during rare network issues. Some travelers like carrying both logos. Otherwise, pick based on aesthetics or flip a coin.
What Actually Stands Out
Everything matches the Mastercard version. CHF 100 annual fee. 10,000 welcome Surprize points worth CHF 50-100. 1 point per CHF 1 spent ongoing. Up to 1,000 loyalty points annually on top of spending rewards. Travel insurance covering CHF 10,000 cancellations and CHF 7,500 interruptions.
Apple Pay, Google Pay, Samsung Pay, and Garmin Pay all work. The 1.75% FX fee is standard. The loyalty bonus works identically on both networks.
What Most Reviews Miss
The loyalty bonus distinguishes BKB from other cantonal banks, but both their Visa and Mastercard share this feature. Your network choice doesn't affect the loyalty points or any other benefit. The products are identical in every meaningful way.
If you're spending more than five minutes deciding between BKB's Visa and Mastercard silver cards, you're overthinking it. Pick whichever network you don't already have.
The Bottom Line
A reliable silver card for BKB customers, interchangeable with the Mastercard version. The loyalty bonus adds value for long-term holders. Network choice has no impact on your experience. Compare alternatives in our best credit cards in Switzerland guide.
Verdict: Same solid value as the Mastercard. Choose Visa if you want network diversity or already have Mastercards.
VORTEILE
- 10000 welcome bonus points
- Travel insurance coverage up to CHF 10,000
- Apple Pay compatible
- Contactless payments for convenient transactions
- 10,000 welcome bonus points upon account opening
- Travel insurance coverage up to CHF 10000
- Comprehensive insurance with 11 types of coverage
NACHTEILE
- No medical coverage
- No airport lounge access
- No concierge service
Kartendetails
Auf einen Blick
Jahresgebühr
CHF 100
1. Jahr
CHF 75
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 75
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 50/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
- 10,000 welcome bonus points upon account opening
- Travel insurance coverage up to CHF 10000
- Comprehensive insurance with 11 types of coverage
- No income requirement
- Multiple mobile payment options
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.
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Häufig gestellte Fragen
- What is the annual fee for the BKB Visa Silver?
- The BKB Visa Silver has a promotional first year fee of CHF 75, then CHF 100 per year afterwards.
- What are the foreign transaction fees for the BKB Visa Silver?
- The BKB Visa Silver charges a 1.75% foreign exchange fee on international transactions.
- What rewards does the BKB Visa Silver offer?
- The BKB Visa Silver offers points rewards at a base rate of 1 per CHF spent.
- What insurance coverage does the BKB Visa Silver include?
- The BKB Visa Silver includes travel insurance up to CHF 10,000 and medical coverage up to CHF 0 abroad.
- Is the BKB Visa Silver compatible with Apple Pay?
- Yes, the BKB Visa Silver is fully compatible with Apple Pay for contactless mobile payments.
So haben wir diese Karte bewertet
Sie fragen sich, warum BKB Visa Silver diese Bewertung hat? Wir bewerten Cashback-Karten mit einer gewichteten Formel. Das zählt:
Gleiche Formel für jede Karte in dieser Kategorie. Keine Ausnahmen.
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